By Susan Braden
As a newly retired senior, you're probably exploring all of your dental options. Dental coverage is still important as a senior. In fact, seniors are often more prone to dental problems.
With costs skyrocketing and incomes remaining fixed for seniors, affording the routine and emergency dental care you need is becoming increasingly burdensome. Luckily, new options for dental discounts for seniors have become available.
Whether you've encountered these dental problems yet or not, finding a dental plan that addresses these treatments is good preparation for what may be to come.
Medicare does not cover routine dental care for adults 65 and over. By law, Medicare is prohibited from paying for cleanings, fillings, crowns, dentures, and most other dental work. Although there are a few exceptions, you will never be able to look to Medicare as a source of dental insurance for seniors.
Fortunately, there are other senior dental plan options to consider.
Millions of people over 50 have joined the American Association of Retired Persons (AARP). If you are a member in good standing, you are eligible to sign up for the AARP dental insurance plan administered by Delta Dental. With this plan, you have a choice between two tiers of coverage.
Another option to reduce dental costs in retirement are senior dental plans. They are an excellent alternative to the AARP program for a number of reasons.
They don't require that you be a member of AARP or any other organization in order to join.
They don't have many of the cumbersome restrictions found with the AARP.
You don’t have to wait a year if you need a crown or dentures, and there is never an annual maximum cap.
For a low monthly fee, your savings can begin right away.
You may want to investigate how a discount dental plan could provide you with inexpensive, superior care for the dental procedures you need.