Dental Coverage Plans for Senior Citizens

Conventional Dental Plans
Individuals who enroll in a traditional dental plan pay $40 to $50 per month on average in dental premiums. Rates vary with respect to the insurance company and plan you choose. Unlike dental care HMOs, traditional plans allow you to choose your personal dentist but cost you more. A traditional dental care plan reimburses you for dental services you spend out-of-pocket. These plans usually cover from 50 to 80 percent from the cost. You pay the remainder. This type of principal dental insurance plan is not always your best option for seniors living on a fixed income.

AARP Dental Insurance
If you're an AARP member, you may be eligible for group coverage in a low premium rate. AARP dental plans are for seniors who lose group dental coverage once they retire. The plans offer limited coverage for the very first 12 months after you enroll. After a 12 months, the plan becomes more comprehensive, covering dentures, treatment of periodontal diseases and major dental restorations along with preventative dental procedures. A few AARP dental insurance options can be found to members and their spouses.

Discount Dental Programs
Discount dental plans are not insurance, yet individuals can save up to 60 percent on the price of routine dental care. Dental providers contract with a discount plan provider to provide patients quality dental work at reduced prices. You pay a low monthly fee to become a member of the plan. When you need dental care services, you pay the dentist the full reduced fee directly. For seniors who no longer get access to employer plans or who have pre-existing oral health problems not covered by other plans, discount dental plans are a reasonable alternative.

Dental care HMOs
Dental HMOs or managed care plans for seniors offer low-cost principal dental insurance policy for individuals age 65 and older. Cheaper compared to traditional dental plans, HMO dental plans provide dental hygiene at an affordable cost, but options are restricted. Members must receive services from a network supplier. Before enrolling, find out first what dentists and procedures a particular HMO covers in your town. A Medicare Advantage Plan is another option much like an HMO. These plans sometimes offer extra protection for vision, hearing and dental. You pay an added premium for any benefits along with standard Medicare coverage.