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Best Dental Plans for Seniors in 2022

Our experts have researched 14 dental plans and recommend 10 of the best options for seniors.

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Top 10 Highest Ranked Senior Dental Plans for 2022

There’s no age limit for wanting to have a beautiful smile, and seniors often have special dental needs. Unfortunately, many seniors face coming off of company health coverage options when they retire, and most Medicare sponsored plans offer minimal or no dental coverage. This can leave a majority of aging individuals in need of a dental insurance plan at an affordable cost. To ease the search, we have compared a number of companies concerning their availability, the number of in-network providers, coverage options, and cost. Here is our updated listing of the top ten senior dental plans for 2022.

How We Chose Our Top List

Shopping for a quality dental plan? If so, our top 10 list covers everything you need to know. We researched the best dental insurance plans for seniors, looking at premiums, benefits and discounts, convenience, wait periods, account portals, and more. Don’t go another day without the perfect dental plan in place, especially if you’re a retiring senior.

14
Plans considered
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Experts consulted
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Plans selected
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Hours of research

Why is Dental Insurance Important for Seniors?

As we age, our oral health becomes more complicated and yet more detrimental to overall wellbeing. Seniors have special needs such as dealing with gum disease, root decay, broken or lost teeth and even arthritic conditions that can lead to dental problems. Retiring seniors especially need to begin looking for a plan to avoid costly coverage gaps, as Medicare offers no type of dental coverage in general.

Most dental insurance companies offer an array of plans that range from basic preventive-only coverage and discount savings plans to comprehensive traditional packages and ‘gold-level’ plans. Except for dental discount plans, most programs have a six-month or longer waiting period, especially for major dental work coverage to kick in. This makes finding a new policy before losing any current coverage essential for seniors.

How Much is Senior Dental Insurance?

Standalone dental insurance plans can range anywhere from $30 per month to over $100 monthly for individual plans, with family programs averaging triple those estimates depending on coverage levels. Deductibles typically average between $50-$150 per year, but some plans offer a one-time deductible for premium policies. The most affordable option for those seeking temporary or low-cost care can invest between $75 and $150 in a dental insurance discount program that offers enrollees substantial discounts on all services beginning within days of signing up. Costs will vary for all types of coverage by state, age, the number of enrollees and your program selection.

Senior Dental Plans and Dentures

Dentures are often available under most dental insurance plans and dental savings/discount programs. However, under most traditional dental insurance programs members will have to wait a year or more to qualify for denture-related services. The good news is, that most dental discount plans offer some level of denture coverage within days of enrollment for a small annual enrollment fee. Furthermore, it’s important to check each plan carefully to see if there is a pre-existing condition clause that prohibits dentures and repairs unless the teeth are lost or broken during a period of coverage under their policy.

Written By

Jeff Hoyt

Editor in Chief

Since graduating from Harvard with an honors degree in Statistics, Jeff has been creating content in print, online, and on television. Much of his work has been dedicated to informing seniors on how to live better lives. As Editor-in-Chief of the personal… Learn More About Jeff Hoyt