Senior Health Insurance Article

Dental Insurance for Seniors

As we age, much of our body begins to show signs of wear and tear and the teeth and gums are not immune to this phenomenon.  In fact, as of December 2011, a whopping 42% of American seniors had endured some extent of tooth loss and were wearing dentures or implants to compensate.  This is just one measure of oral health, but it does underscore the specific need that seniors have to care for their teeth and gums.  It’s also likely the reason why many have shown interest in finding dental insurance for seniors.

Get Dental Insurance Before You Need It

As with any insurance, it’s a good idea to purchase a dental plan before you’re facing a crisis.  By buying dental insurance for seniors before problems arise, you’ll generally get a better rate. However, if you already suspect that you need serious dental work, it still makes sense to apply.  That’s because once you’re approved, the plan may potentially save you some money by allowing you to purchase the dental services you need at the insurance company’s lower, negotiated rates.  But be warned:  you may pay much higher premiums or be rejected outright if dental problems have already manifest themselves.

4 Basic Steps to Research and Buy Dental Insurance for Seniors

Purchasing dental insurance for seniors is similar to buying a dental plan for someone of any age.  In fact, some insurance companies have plans designed specifically for seniors, but others allow seniors to purchase the same dental plans as everyone else.  Regardless, the research and purchasing process can be accomplished in the following four basic steps.

1. Research plans online to narrow them down. Take note that many procedures are covered at low percentages or not covered at all.  Pay attention to the monthly premiums and deductibles.

2. Make a few phone calls to local dentists.  If you have a favorite or two, find out which plans they accept.  Most insurance plans have preferred providers and if you don’t go to someone on their list, they won’t pay for anything.  Don’t have a favorite dentist?  Ask some friends whose opinions you trust.  If they like the dentist, maybe you will to.

3. Narrow down your plans to a hand full of selections that offer to pay for services and procedures you value, and that include your favorite or recommended local dentists on their list of preferred providers.

4. Contact a licensed agent to make your final selection. They can help you understand any remaining points of confusion you may have about the plan’s costs, covered procedures, or any weaknesses that may not have been apparent at first glance. See our Senior65 Contact page to get in touch with a licensed agent who can help.

Insurance Buyer Beware

There are all kinds of dental insurance plans for seniors out there and they can be tricky.  For example, some may cover basic cleanings only, but not x-rays or fillings.  Others may offer a straight discount across-the-board on all dental procedures.  Still others may take months to kick in or require you to fulfill a large deductible each year before they pay for anything.  It’s up to you to make sure the plan is cost effective.  But remember, that’s where we can help you sort through the details—at no charge to you at all.  Now that’s worth a big, toothy smile!

Comments and Questions

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  • Comment from Jackie Griffin on November 06, 2015

    What does it cost per month ?  What does it cover ?  Waiting period ?


    We are more than happy to help. Click here to get a senior dental quote in your area. It should list monthly premiums, waiting periods, and coverage. If you have any further questions, please call 800-930-7956.

    -Amy from

  • Comment from Linda on June 25, 2014

    I’m in the 94066 area and need a dental insurance that will work with out of network dentists.  Love my dentist but they do not participate “in network” with any insurance companies. 


    Thanks for your question. You can go to our Dental quote to see which plans would offer you out of network coverage.  The other option is to switch to a dentist that offers in network options.  Please call us 800-930-7956 to speak to an agent.
    Chris from

  • Comment from Chris Bearden on July 23, 2013

    need individual dental insurance that does not require in network to participate in the State of Georgia.  Can you provide me the companies and their various plans.  Thank you.


    Dear Chris,
    Thank you for contacting us. Please give us a call at 800-930-7956 and we will help you find the right dental plan for you in Georgia.

    -Chris at

  • Comment from Brij on April 19, 2013

    I am searching for an affordable senior dental insurer. Medicare Part A & Part B doesn’t cover dental expenses.


    Thanks for contacting us. You are correct that you will not get dental coverage through Medicare. There are, however,  many affordable private insurance options. The price depends on your local area. Give us a call and we can assist: 800-930-7956.
    -Kelly from

  • Comment from Jane Wright on May 25, 2011

    What is the best dental coverage for seniors? Thanks Jane


    Private senior dental insurance is very regional so the best coverage depends on where you live. If you call us at 800-930-7956 we can assist you in selecting the right plan.
    -Eric from

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