The top three dental insurance plans are Delta Dental, Renaissance Dental and Guardian, according to Consumer Advocate. Dental plans catering to seniors are very limited, but there are options available. Standard Medicare plans do not include dental insurance.
Dentists rate Medicare's dental coverage as almost xistent because they are limited to only medically necessary services such as exams as part of surgical clearance protocols, as stated by Consumer Guide to Dentistry. There are some dental insurance plans designed specifically for seniors. Medicare-eligible seniors can choose Medicare Advantage Plans, which offer dental coverage. Delta Dental has partnered with AARP to offer senior dental insurance plans for members of AARP, which is for people over the age of 50. For retired military personnel or retired civilian employees of the Department of Defense, they can choose the Tricare Retiree Dental Program.
Another option for seniors is to manage dental costs by finding plans that cater to needs of seniors. Shop for plans that only cover services likely to be used; for example, seniors rarely get braces so buying plans without that coverage would save money. When money is tight, skipping over cosmetic services such as whitening and veneers and instead focusing only on procedures that contribute to the health of teeth can save money. It is also recommended to buy dental insurance before services are needed, as many plans have waiting periods for more costly procedures, although cleanings are usually covered immediately.