Good dental care is important to your overall health. You know that. But do you know Medicare doesn't cover dental services? That means dental bills for things like routine cleanings, fillings, crowns, bridges, dentures and root canals have the potential to take a bite out of your savings.
Dental insurance for seniors is the same as dental insurance for other individuals but focuses on the coverages seniors will need. These include crowns, root canals, dentures, and tooth replacement. Even though these are not unique to seniors, there is a higher probability that seniors will need one or more of these coverages.
If you are a senior looking for affordable dental insurance, you aren’t alone. According to the National Institute of Dental and Craniofacial Research, 23% of seniors have not been to a dentist in five years. The best senior dental insurance options help you budget and save money in retirement while still getting proper dental care.
Dental Insurance is affordable for most seniors but it has varying levels of coverage, called class of service, within one policy. You will receive some procedures at no cost beyond your premium but will share the expense of others with your insurance company.
Dental insurance almost always picks up 100 percent of the bill for routine checkups and cleanings. Coverage for common procedures like root canals and fillings are typically covered at 80 percent, although policies with higher premiums cover up to 90 percent. You are then responsible for the remaining 10 to 20 percent of the cost, called coinsurance. Most plans cover higher-priced and more involved procedures at 50 percent, so you should have some savings set aside for what your insurance does not cover. Still, with relatively low premiums, having dental insurance is far less expensive on average than paying cash for all dental procedures.
Orthodontia is another class of service, and typically has a lifetime rather than an annual maximum. You can buy dental insurance that excludes this coverage if it is doubtful that you will need it.
Aetna has been in business since 1853. Headquartered in Hartford, Connecticut, Aetna has 13 million members nationwide and a PPO network of 372,000 dental providers.
Depending upon the plan you choose, you'll have coverage for major services like oral surgery, crowns, root canal therapy, and dentures.
Moving to a new state? This guide explains how relocating affects your Medicare coverage—whether you have Original Medicare, Advantage, Part D, or Medigap—and what steps to take to avoid gaps, missed deadlines, or surprise costs.Medicare Starts Here™by Lehigh Partners Senior Benefits What Happens to Medicare If I Move to Another State? Thinking about moving—or already
Read MoreThis guide explains Medicare Supplement Enrollment Periods—Open Enrollment, Guaranteed Issue, and state-specific rules—so you can enroll with confidence and avoid costly mistakes.Why Medicare Supplement Enrollment Rules Matter More Than You ThinkIf there’s one thing that frustrates me more than anything in this industry, it’s the amount of confusing or flat-out wrong information people get when
Read MoreCan You Use Drug Coupons or Discount Cards Instead of Part D Benefits?If you’ve ever stood at the pharmacy counter, wondering why your Medicare Part D plan is charging more than what you saw online with a discount card like GoodRx, you’re not alone. As a licensed Medicare agent who’s helped hundreds of people through
Read MoreIt’s no wonder people feel overwhelmed. The good news? It doesn’t have to be confusing. In this guide, I’ll walk you through 5 simple steps to choosing the right Medicare plan—based on your needs, your doctors, and your budget. Let’s dive in.Step 1 – Understand the Basics of Medicare and Your Health Coverage OptionsIf you’re turning
Read MoreThe Medicare Decision That Matters More Than You ThinkIf you’re turning 65 soon, I don’t need to tell you that your mailbox has probably turned into a war zone of Medicare ads. Shiny brochures. Friendly-looking seniors. Confusing charts. And somehow… nobody’s giving you a straight answer. Here’s what I’ve learned after helping people with Medicare for over
Read MoreWhen it comes to Medicare Supplement plans, it’s easy to feel overwhelmed by all the choices.If you’ve heard about Plan G but aren’t sure exactly what it covers – or whether it’s the right fit – you’re in the right place. Medicare Plan G is a popular Medicare Supplement plan in 2025 because it covers most
Read MoreCall us
Call Lehigh Partners at 1-833-265-9655
Licensed insurance agents are available to help you through enrollment and beyond.
Tags
Dental
Moving to a new state? This guide explains how relocating affects your Medicare coverage—whether you have Original Medicare, Advantage, Part D, or Medigap—and what steps to take to avoid gaps, missed deadlines, or surprise costs.Medicare Starts Here™by Lehigh Partners Senior Benefits What Happens to Medicare If I Move to Another State? Thinking about moving—or already
Read MoreIt’s no wonder people feel overwhelmed. The good news? It doesn’t have to be confusing. In this guide, I’ll walk you through 5 simple steps to choosing the right Medicare plan—based on your needs, your doctors, and your budget. Let’s dive in.Step 1 – Understand the Basics of Medicare and Your Health Coverage OptionsIf you’re turning
Read MoreThe Medicare Decision That Matters More Than You ThinkIf you’re turning 65 soon, I don’t need to tell you that your mailbox has probably turned into a war zone of Medicare ads. Shiny brochures. Friendly-looking seniors. Confusing charts. And somehow… nobody’s giving you a straight answer. Here’s what I’ve learned after helping people with Medicare for over
Read MoreTL;DR – Top Medicare Mistakes to Avoid When Turning 65 Choosing a plan based only on the premium: $0 Medicare Advantage plans often come with hidden costs. Missing the Medigap open enrollment window: After 6 months, you could be denied or charged more. Thinking COBRA protects you: It doesn’t delay your need to enroll in
Read MoreTurning 65 Medicare: Choosing between Medicare Advantage and Medigap Plan G is a pivotal decision for individuals approaching 65. This guide aims to clarify both options, helping you make an informed choice tailored to your healthcare needs and financial situation.Medicare Plan Comparison Example: Meet Jane, Age 65If you’re turning 65 and trying to make sense
Read MoreMedicare Starts Here™by Lehigh Partners Senior Benefits Learn how Medicare works, who qualifies, what each part covers, and how to enroll. This easy guide breaks down Original Medicare, Advantage, Part D, and Medigap—so you can make confident, informed healthcare decisions.Part I: What is Medicare?Medicare is a health insurance program run by the government in the
Read MoreIn today’s population, many baby boomers are reaching retirement age and enrolling in Medicare to ensure comprehensive healthcare coverage. As more and more of this demographic seeks quality healthcare options, interest in Medicare Advantage plans – commonly known as Part C of Medicare – has seen a significant uptick. Understanding the basic features and benefits
Read MoreIf you’re tired of dealing with quarterly Medicare Part B bills, there’s good news. You can switch to monthly automatic bank drafts by filling out the “Medicare EZ Pay” form, also known as the “Authorization Agreement for Preauthorized Payments” (SF-5510). This will allow Medicare to easily deduct your monthly premium from your bank account, making
Read More