Dental Insurance for Seniors
Senior citizens all over America are looking for insurance which will help reduce the costs of their dental work. The cost of basic dental insurance for seniors has gone through the roof in the last couple of years, and more than anyone seniors need help paying the high cost of dental work.
There is currently very little government assistance offered for seniors. Most Medicare and Medicaid plans do not cover dentistry. Even those plans which do offer dental insurance for seniors will only cover extractions of teeth. There is no help offered for getting a person's primary teeth fixed or for getting the missing teeth replaced. Typically Medicare and Medicaid offer no help when it comes to any oral work.
Many seniors are on a fixed income through retirement from their company or through social security and can't afford dental insurance for seniors. This means that as the average national cost of living rises, the fixed income of the seniors does not increase. On top of this, seniors often have more oral problems than younger people and seniors need dental insurance specifically for them. Teeth, like bones, wear down over time and become much more vulnerable to deterioration and breakage. This means that the elderly are going to have more problems with their teeth and less money available to fix their teeth. The need for additional help is eminent!
If a senior citizen still has most of his or her original teeth, the actual work which needs to be performed will be very standard procedures like fillings, crowns, root canals, etc. However, given the age of the teeth, most senior citizens are looking to get all their teeth pulled out and to get dentures put in place. Surgical extractions of teeth can easily run over $300 per tooth. After the cost of the extractions, a complete set of dentures can run anywhere from $3,000 to $4,000.
One hurdle which must be overcome when considering dental insurance for seniors, is that it is often more expensive. This is because the insurance companies know that seniors are typically looking for a lot of work to be done (extractions and dentures). Often, senior dental insurance is not even offered once a person reaches a certain age.
Another option for seniors, however, is a dental discount plan. Discount plans are available for people of all ages, and effectively cut the total bill down 10 percent to 60 percent off the original costs. Another great advantage of discount plans for seniors, is that the discount plans do not interfere with Medicare or Medicaid. Medicare has restrictions on what types of insurance a person can participate with, but the discount plans are set up outside of traditional insurance. Its like having all the benefits of dental insurance for seniors but without some of the typical hassles.
Seniors can access dental discount plans and dental insurance for seniors through the internet. There are many different plans available offered through many different companies. Each person would need to look up the specific plans offered in his or her area and compare which one would be the most beneficial for his/her needs. The easiest way to check out the different plans is through a simple internet search for "dental discount plans." There really is going to be a plan for every person. It will just take a little bit of leg work to find the perfect plan for you.