Most retired older adults of all income levels face a lack of comprehensive dental coverage.
Medicare, the federal health program for people 65 and older, doesn’t cover dental care except in rare instances.
If you are retiring and have dental insurance through your work, you can often get waiting periods waived if you get a new personal dental insurance plan. That’s called credit for prior creditable coverage. So, it could be a mistake to allow any gaps between your work dental insurance and getting a new personal dental insurance plan. You don’t want to have waiting periods before major services are covered at the maximum percent
Another mistake seniors make is thinking dental discount plans are dental insurance. Have you enrolled in a discount plan that gives you absolutely zero help when your dentist refers you to a specialist like an oral surgeon for major tooth problems?
Today, we’re going to educate you on the difference between a piece of paper with a monthly bill attached and real dental insurance.
At the Senior Savings Network, we know that some old, worn-out dental plans barely cover anything, and discount plans don’t help unless you are just getting cleanings. If you are just getting cleanings, you need a coupon. Discounts aren’t dental insurance.
Dental Insurance should cover you for the most expensive things you need done, like if a tooth cracks, not for the absolutely cheapest thing that you can get done, like a cleaning.
Lots of our clients told us they used to settle for a dental discount program that helped with cleanings. The worst part was that their dentist kept referring them to a specialist like an endodontist or oral surgeon for everything major. That general dentist’s discount was absolutely zero help. Or worse, folks are not going to a periodontist when they need one and are having teeth pulled that could have been saved.
For about the same monthly cost, real dental insurance provides coverage for even major services like implants at the best periodontists, endodontists, and oral surgeons in town.
Many seniors are losing their teeth, and they could have healthy smiles if they had dental plans that could help them pay for the best treatment available and not just get their painful teeth pulled.
At Senior Savings Network, our dental insurance experts will listen to you and see what coverage you actually need that is cost-effective and makes financial sense. We can offer you insights into a brand new real dental insurance plan from a company you can trust that offers day-one coverage for major services like root canals and crowns.
We will work with you to research your specific needs and your specific dentist, and find a trustworthy dental insurance company that saves you money, makes good financial sense, and is one that your dentist actually takes and offers you access to affordable treatment at periodontists, endodontists, and general surgeons.
Many of our clients say these new dental plans are better than anything their work offers. You may want to enroll even if you are still working or have retiree dental coverage.
We also can talk to you about excellent vision coverage with no waiting periods for glasses that you can add to your dental plan to save you hundreds on your prescription bifocals or trifocals.
You can get a personal appointment to discuss dental, vision and hearing coverage by calling Senior Savings Network or book online.
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