Discount Dental Insurance For Seniors
As people grow older, so do their worry about their health condition. Senior citizens are more vulnerable and end up spending a lot of their retirement benefits on health. Among the health concerns most seniors have is dental care even though this aspect is often overlooked when thinking about the care of this all-important group of people in our society. A study conducted by the Pew Center on the States forecasts that the total yearly spending on dental care is likely to surge from about $102 billion in 2010 to a whopping $161 billion in 2018.
The main reason why the cost of providing dental care is increasingly sharply is because employers do not include dental insurance plans as part of the employee benefits. A survey shows that in 2012, of the 70 percent of the employees who enjoyed health insurance only 45% were offered dental cover. Even more, worse is the fact that dental coverage is not a part of the original Medicare, which over 43 million senior enrollees were registered.
Although the Affordable Care Act has positively impacted the US healthcare system, only children have guaranteed dental coverage. Therefore, without a structured governmental or state-wide funded dental insurance, seniors are left with little room to hunt down for only affordable dental care plans available on the market. With over 3000 insurance agents out there, you want to choose that who will provide you with discount dental insurance for seniors that will not only cater for your dental needs but also help save a few dollars in low premiums and reduced out-of-pocket charges.
Types of Dental Insurance Plans
Dental insurance plans are not exactly like dental insurance but they work almost similarly to health insurance coverage. Below are a few dental plans that you might want to consider when looking for coverage:
Dental Health Maintenance Organization (DHMO)
DHMO plans require prospective insured persons to select a dentist or dental office that will have to coordinate all his or her dental care. This means that the office so chosen will perform all the dental work you need and only refer you to a specialist in cases where you need specialized dental treatment. You stand to enjoy an extensive coverage if you stick to your dentist and the experts you are referred to. However, expect to cough or foot the entire bill if you visit a different dental office. Such a dental plan is thought to be similar to an HMO insurance plan.
Preferred Provider organization (PPO)
This plan is different from an HMO plan in the sense that the beneficiary need not choose a specific dentist or dental office. Instead, the plan accepts a network of chosen dentists or dental facilities so you are allowed to visit any of the facilities within the network for dental treatment. Unlike the DHMO, seeking dental services outside of the network you will still enjoy at least partial coverage.
Fee for Service
Almost similar to a PPO, a fee-for-service dental plan also commonly known as indemnity plan disintegrates or breaks down the portion covered by based on the type of dental treatment you receive. For example, a routine dental care service such as cleaning may be covered at 90% while a more sophisticated service such as a dental implant or a root canal may be covered at 50 percent.
As for discount dental plans, you’ve got to pay an annual fee to be able to access discounted dental treatment and other services. Simply put think of a discount plan as a membership plan in which members get services at extremely low rates compared to ordinary customers who come to enjoy the services of the facility. Such an annual fee allows you to access a network of dental offices who offer different services at a relatively low rate for holders of discount plan holders.
Obtaining a dental insurance plan is the best way of ensuring that are on top of your oral health without worrying about the expensive bills. However, finding cheap dental services can be an uphill task for seniors. Fortunately, discount dental plans are the best bet for seniors who are concerned about their dental health as they continue to advance in age. Ordinarily, available policies for seniors are filled with a lot of conditions and exceptions, and finding a fairly affordable price quote can be a daunting task. By shopping around and comparing different plans online, you will be surprised that there is a reason for seniors to smile and put on a brave face amidst challenges of old age.