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Dean George is the Marketing Specialist and Content Creator for Dental Insurance
Store and its social media channels. He is a regular contributor to Agent Straight Talk, the
only consumer blog explaining the ins, outs and in-betweens of dental insurance and
discount dental plans. READ MORE

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Pearls of dental wisdom for seniors

Mar 07, 2013

Dental Wisdom for Seniors
Photo source: Downhome Cajun

Last fall we began a series on senior dental care but due to matters of national dental security, we had to postpone it.  Now that the world is safe again for tooth, justice and the American way, we can now resume our series on senior dental issues this month.

We listed in that earlier post some reasons why seniors often pay more for dental services than other age groups: 

More miles on their smiles and their original oral equipment just wears out

Tooth root decay from long-term exposure to acids found in sodas, fruit juices and citrus

Periodontal disease due to tobacco use, ill-fitting dentures and bridges and diseases like diabetes or cancer

Dry mouth and dark teeth from stain-causing foods & beverages.

The devilish thing about maintaining good oral health in our senior years is that Medicare and most states’ Medicaid plans do not include adult dental coverage. Medicare coverage only includes non-routine dental care required to treat illness or an injury.

For example, Medicare might cover a dental visit if grandma takes an elbow to the kisser at the church sewing circle meeting or one of grandpa’s buddies hooks his molar while ice fishing.  Otherwise, it’s every pie hole for itself with things like teeth cleanings, root canals, dentures or bridges.

Some Medicare Advantage (Medicare benefits provided by private carriers) plans offer some dental benefits, but not all. Medicare supplements were designed to cover co-pays for what Medicare does not pay, but that only applies to Medicare covered benefits. The Affordable Care Act, widely known as Obamacare, may include dental benefits for children (even that is up to the individual states) but not adults.

So how does a retired seasoned citizen keep their pearlies in mint condition if Medicare doesn’t offer dental coverage? As we’ve mentioned before, this is America, where we are endowed with life, liberty and the pursuit of dental happiness.

Dental Insurance Store offers seasoned citizens three options:

Dental plans designed exclusively for seniors Where available, these plans offer no waiting periods, three cleanings per year and no enrollment fees.

Standard dental plans that offer seniors the same level of benefits available to non-seniors, regardless of their age. Most plans offered are available at the same price regardless of age, but those plans that have slightly higher premiums are only a few dollars more per month.

Discount dental plansare not insurance policies, but rather “discount clubs.” They offer their members’ deep savings on many dental procedures as long as you visit a dentist that accepts these plans.  Discount dental plans offer no waiting, no annual limits on use, and quick activation times.

As you can see, there are plenty of good options for seniors concerned with maintaining their oral health; options that don’t require auctioning off a grandchild or selling a family heirloom.

See for yourself by pricing plans available in your area now. You can get a free quote here faster than you can make your morning toast or decide on supper. Hmm…that’s two food references in one sentence.  Must be time to eat!

Next week we’ll take another bite at senior dental by exploring the tooth about dental implants compared to dentures. Thanks for reading Agent Straight Talk and remember, “If you don’t have a smile, ask a friend. It’s a good bet they’ll give you one of theirs.”

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 Copyright 2013, Bloom Insurance Agency, LLC©

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