Getting the Best Dental Insurance For Seniors
3 min read
Finding an adequate dental insurance plan depends on your budget and expected level of care, with costs such as premium, deductible, copays and coverage limits to keep an estimate in mind.
The top companies provide preventive services without waiting periods or annual maximums for basic and major procedures, and offer loyalty plans with gradually rising maximums each year.
1. Renaissance
Routine dental care is essential to good oral health, lowering the risk of serious conditions like plaque buildup, tooth decay and gum disease. Unfortunately, many seniors avoid seeking out dental services due to cost. Renaissance Dental offers several PPO plans with generous coverage allowances at an affordable price point and has access to over 300,000 dental practices nationwide.
The company has earned high financial strength ratings, which demonstrate its capacity to fulfill long-term claims obligations. Customers also enjoy access to an easy online portal known as MyRenBenefits that enables them to view benefits and claim information.
Renaissance offers individual and family dental and Medicare Supplement plans tailored specifically for Medicare recipients, such as its MAX plan that provides 100% coverage of preventive services like oral exams, diagnostic x-rays and cleanings. Their Vision Advantage bundle combines vision coverage with dental insurance at an economical rate while customers enjoy discounts from VSP, the country’s premier eye care provider.
2. UnitedHealthcare
UnitedHealthcare offers an array of health insurance plans for both individuals and families, such as dental coverage. Their plans offer competitive reimbursement rates with dedicated support provided to physicians and patients. Furthermore, UnitedHealthcare also offers disability, critical illness and accident policies.
AARP Medicare Advantage plans are widely available and have received outstanding customer reviews. Preventative services typically are covered without any deductible or waiting period, while cost sharing varies by plan type.
Telemedicine offerings of AARP/UnitedHealthcare are also impressive, providing convenient access to health care with 24/7 nurse hotlines, tools for refilling prescriptions and checking medical records – as well as helping save money by preventing unnecessary doctor visits or trips to emergency rooms. With all this convenient service offered through its telemedicine offerings, AARP/UnitedHealthcare boasts one of the highest member satisfaction ratings among Medicare Advantage plans in 2021 – earning them 3.7 stars from National Committee for Quality Assurance for overall ratings of their Medicare Advantage plans overall ratings as well.
3. MetLife
MetLife provides both group and individual dental insurance plans, including PPO, HMO/managed care and savings plans, vision plans that offer discounts for eye exams, glasses and contacts as well as pet and retirement solutions.
The company’s Preferred Dentist Program features negotiated fees that dentists accept as full payment for covered services subject to any cost sharing, deductibles or benefit maximums. Furthermore, there is a mobile app designed specifically to make finding participating providers and managing accounts easy for customers.
MetLife not only offers dental benefits, but they also offer life and disability insurance products such as term life and multiple forms of permanent life like whole life and final expense whole life insurance, while their disability policies cover accidental death and dismemberment, short-term disability, long-term disability as well as family planning needs. In addition, MetLife also provides various financial services like investment/wealth management/education planning/retirement solutions.
4. Aetna
Established in 1873, Aetna is one of the nation’s premier health insurance providers. Offering health, dental, Medicare and wellness plans to both employers and individuals; as well as extensive prescription drug benefits. Part of CVS Health group with high ratings from AM Best and the Better Business Bureau;
Benefits offered under this plan cover a comprehensive array of preventive and comprehensive services up to their benefit limits, while its unique dental design allows members to select any licensed dentist, within or out of network.
Customer service at this company is outstanding and user-friendly, featuring an easy-to-navigate website and mobile app to manage healthcare services for its members. Their complaint index scores fall well below national norms, while AM Best rates them A for financial stability.
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