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. As a dental discount program, most pre-existing conditions will be covered and you can save as much as you want all year long without limits. For example, they may specify that a crown will cost policyholders a maximum of $300, etc. Therefore, dental insurance options are only available in a few states such as Alaska, Pennsylvania, Arizona, Delaware and Illinois. A truly unique benefit of choosing Delta is that they have the ability to dictate the maximum out-of-pocket costs within several of its plans. As Editor-in-Chief of the personal… Learn More About Jeff Hoyt, © Copyright 2021 SeniorLiving.org a Centerfield Media Company. MetLife’s dental programs are a great way to enhancing retirement benefits and keep a smile on your face and those of your loved ones. Liberty Healthshare has teamed up with SavNet Health Savings Program to enhance your access to savings networks for Dental, Vision, Hearing and Chiropractic! However, seniors residing in those states can use Guardian’s ‘search by zip code’ function and find some great deals and dental coverage. Aging individuals will find their website easy to navigate and will never have to worry about processing claims or paying out-of-pocket for covered expenses. Seniors seeking access to emergency care or who are looking to have some major dental work done will find Liberty Dental to be an appealing choice. Careington offers straightforward annual prices that are $99 for most enrollees. Seniors can easily find a dentist, review benefits and coverage, access their account information, claim statuses, check on prescription prices, locate a pharmacy and even refill prescriptions through the MyHumana app. Deductibles typically average between $50-$150 per year, but some plans offer a one-time deductible for premium policies. With coverage for services such as implants, dentures, veneers and other commonly needed dental implements for seniors, Met Life might just be the right option to meet your needs. Seniors appreciate that Cigna Dental PPO plans don’t require patients to self-submit claims or pay the entire cost of treatments upfront. Fee schedules and actual savings for each procedure are listed by the individual providers and will vary from dentist to dentist. The myCigna Preventative plan only covers the cost of cleanings, fluoride applications, oral exams, X-rays, sealant and non-orthodontic space maintainers. The Liberty Dental Discount Plan is a wonderful option for those not seeking a long-term commitment or another monthly bill for a traditional insurance program. 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. Spirit Dental plans cover two people, but there are also family plans. LIBERTY Dental Plan (LIBERTY or "LDP") administers the dental benefit for most Anthem Medicare Advantage plans. Spirit Dental is a standout amid dental insurance providers today for a number of reasons that will specifically appeal to seniors. 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. Access your claims and other member information by logging into our customer portal. There is a one-time $20 processing fee when signing up and benefits are available for use typically immediately or within a few days. They have an extensive network of providers and service locations, but there is a catch: Guardian is only available in about 20 states currently. If you aren’t happy with the plan, you can cancel within 30 days. Rather, this type of program allows just about anyone to receive discounts ranging between 20 and 60 percent on an array of dental procedures. These Anthem members have the option of using providers in the DGPS network or those in the LIBERTY Dental Plan EPO proprietary network. The biggest thing to keep in mind before enrolling in a UnitedHealthcare dental insurance plans is that there are long waiting periods for procedures beyond preventive care. Benefits increase annually under Humana’s loyalty program, Combining dental/vision coverage gets policyholders great discounts on multiple services, Can see specialists without consulting primary care dentist, Convenient online features and a mobile app streamline the experience, Special discounts and packages for veterans, Not all plans are available in every state, Coverage is available internationally and domestically through a large provider network, Bi-annual exams, cleanings and X-rays are included in plans, No primary dentist assignments for patients, Coverage and benefits will vary depending on your state, One year waiting period before higher-level coverage is active, Payout percentages for basic services are somewhat lower than other providers, Preventive care is wholly covered with in and out-of-network dental providers, Guardian has more than 100,000 in-network dental providers, The dental cost estimator online is accurate for customers, Plans for individuals are only currently available in approximately 20 states, Free benefits for hearing and vision needs, prescriptions and some specialty healthcare, No waiting periods or health restrictions, May not be as comprehensive as traditional insurance, Plan members pay all costs not covered by the program, Premium plans cover 100% of preventive treatments and 80% on most plans, Easy to navigate website with convenient online claim forms and tracking, Coverage for dentures after a waiting period, Individual plans are limited to a handful of states currently, Waiting periods from six months to a year and a half, Low out-of-pocket cost for most procedures, Zero deductibles and no maximum spending limits, Most pre-existing dental issues are covered, Must choose a primary care dentist that entire family must use, Policies are available in a limited number of states, Customers can choose between a PPO plan or an HMO-type plan, Upfront fee listings available from providers, Some services have maximum out-of-pocket costs to customers, Only available in a limited number of states, Plans geared toward senior needs such as dentures are available, Deductibles are low for most programs especially family plans, One of the largest selections of in-network providers, Long waiting periods for major services between four months and one year, No coverage for pre-existing conditions like dentures, broken teeth and bridge issues, Challenging to explore pricing levels without making an official inquiry to company, $5,000 annual benefit maximum is higher than most competitors, Company supports the Smile Network Foundation, Only covers dental issues obtained during coverage periods, Out of network providers cost more to consumers, Coverage for 24/7 emergency care and services, Retirees under an existing plan can easily transition into a PPO individual or family plan, Expanded diagnostic benefits for procedures like brush biopsies, Set fees for multiple service procedures and materials to minimize fee confusion, Very few options for individual dental plans, Web portal is more designed for businesses and employee members. Depending on your state of residence and current health condition, premiums will vary. However, these programs are only currently available to residents of 15 states and Washington DC. Humana offers numerous programs, with the most affordable being the Dental Savings Plus Discount Plan, which isn’t insurance but a simple rate plan accepted by participating dentists. This provider also requires minimal claim forms (if any) and pays out claims rather quickly with turnarounds averaging 2-14 days. * For "All other Anthem Medicare Advantage" plans, LIBERTY has an agreement with The Guardian Life Insurance Company of America (Guardian) that allows use of Guardian’s nationwide DentalGuard Preferred Select (DGPS) PPO network.
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