Reviews on Humana Dental Insurance for Seniors in 2020

ane. Humana

Humana is i of the nation's largest dental insurance providers, offering plans for employers, groups, and individuals. Besides having highly rated customer service and affordable plans, Humana is popular with seniors because it offers special veterans' programs and a remarkable loyalty program to virtually consumers. These plans often include discounts on hearing exams, culling medical therapies, and prescription discounts, and they can even be combined with vision insurance. With 335,000 dental providers in its network, finding care with Humana is a breeze online, via the mobile app, or past calling customer service.

Ease of apply	Service & Response	Pricing
Excellent	Excellent	Excellent

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Pros

• Benefits increase annually nether Humana'due south loyalty program
• Combining dental and vision coverage gets policyholders slap-up discounts on multiple services
• Patients can come across specialists without consulting a primary-care dentist
• Convenient online features and a mobile app streamline the experience
• Special discounts and packages for veterans

Cons

• Higher fees for smokers
• Standard enrollment fees
• Not all plans are available in every country

Pricing

Humana offers numerous programs, the most affordable of which is the Dental Savings Plus Discount Plan. It isn't insurance, but a simple charge per unit plan accepted by participating dentists. Customers pay a flat almanac rate and a $15 enrollment fee with no deductibles or copays for part visits. The most popular packages take a $35 enrollment fee, and costs vary depending on your home country, age, smoking status, and the package you cull. Height options include Humana Vivid Plus for Veterans, Dental Preventive Value, and Loyalty Plus. The latter has a one-fourth dimension deductible rather than an annual one, making it the well-nigh comprehensive (and expensive) plan. On average, the plans cost between $18 and $44 per month.

The Bottom Line

User-friendly and cost-effective, Humana dental insurance is the best deal on today's marketplace for people who accept served in the armed forces under the Bright Plus for Veterans plan. Merely a ane-year commitment is required to savor the immense benefits of this sectional program. Seniors can easily observe a dentist, review benefits and coverage, access their business relationship information, claim statuses, check on prescription prices, locate a pharmacy, and fifty-fifty refill prescriptions through the MyHumana app.

2. Cigna

With nearly 93,000 dentists and over 309,000 provider locations nationwide, Cigna is a well-known dental insurance provider. People who love to travel or are considering living abroad for an extended menses will observe Cigna to be a elevation option for dental insurance. Cigna offers three coverage options, including an affordable preventive care packet that covers 100 percent of associated costs such as exams, X-rays, basic cleanings, and fluoride treatments. The bundle has no deductibles or copays for office visits. Many seniors appreciate that Cigna Dental PPO plans don't require patients to self-submit claims or pay the entire cost of treatments up front end. Cigna's dentists always file claims, and yous merely pay the remaining rest. Another benefit is that there's no need to choose a primary dentist if you prefer not to.

Ease of use	Service & Response	Pricing
First-class	Excellent	Excellent

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Pros

• Coverage is available internationally and domestically through a big provider network
• Biannual exams, cleanings, and X-rays are included in plans
• No chief dentist assignments for patients
• No claims for patients to file
• Easy-to-navigate patient portal app

Cons

• Coverage and benefits vary depending on your land
• One-year waiting menses before higher-level coverage is active
• Payout percentages for bones services are lower than other providers

Pricing

The Cigna Dental Preventive programme covers only the cost of cleanings, fluoride applications, oral exams, X-rays, sealant, and non-orthodontic space maintainers. These are covered 100 percent twice per yr. The Cigna Dental yard plan maxes out at $one,000 annually and has a $l and $150 deductible for private and family plans, respectively. The Cigna Dental 1500 plan is capped at $i,500 per year and has a 1-time $fifty deductible for individuals and $150 for family unit plans. Both plans have a one-twelvemonth waiting period, but they cover a portion of dental work, including root canals, crowns, and fillings. The Cigna Dental 1500 programme covers orthodontics, while the Dental one thousand plan does not. Specific plan pricing varies tremendously past state, but typically ranges from $19 to $39 per person per month.

The Bottom Line

Seniors seeking flexible dental insurance at great rates with global coverage should give Cigna serious consideration. As a PPO, you have no primary dentist and have a big network of providers. Cigna also pays a portion of most services from out-of-network providers, making information technology very convenient. Older adults volition find the visitor'southward website easy to navigate and will never accept to worry about processing claims or paying out of pocket for covered expenses.

3. Spirit Dental & Vision

Spirit Dental is a standout amid dental insurance providers for a number of reasons that volition specifically appeal to seniors. In improver to plans with in-network provider options and those where y'all can pick your ain dentist, Spirit Dental has no waiting period for basic dental care or even major services such every bit bridges or crowns. Customers receive two free exams and iii annual cleanings with every programme, which is rare for the industry. Moreover, the longer you lot maintain policies, the higher your savings. Spirit Dental offers vision, life, and disability add-on policies in improver to dental benefits. It doesn't deny any application, but information technology does exclude certain pre-existing weather condition such equally broken dentures, teeth, or implants.

Ease of use	Service & Response	Pricing
First-class	Excellent	Excellent

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Pros

• No applications are denied
• Extremely senior-friendly policies
• $100 lifetime deductible
• $5,000 almanac benefit maximum is higher than virtually competitors
• Company supports the Smile Network Foundation

Cons

• Only covers dental issues obtained during coverage periods
• Out-of-network providers toll more

Pricing

Spirit Dental plans cover ii people, but the company also offers family plans. Rates for couples are reasonable, with averages ranging from $36 to $74 per calendar month. Family unit plans cost more, from $one,200 to $5,000 with a lifetime $100 deductible. Preventive care is 100 percent covered, and vision insurance tin exist added for merely $seven monthly.

The Bottom Line

Seniors looking to stick to a unmarried dental provider long-term volition bask greater benefits with Spirit Dental than with other companies. Its policy rates are highly affordable, with most basic procedures covered at up to 65 percent in the first yr. These savings tin increase to 90 percent by the third yr of coverage. You can likewise save on more than expensive treatments and dental implants. There'due south no arguing that Spirit Dental volition raise seniors' spirits with exceptional plans and perks.

4. Guardian

Guardian offers four primary dental insurance plans that can assist seniors enjoy better oral health without breaking the banking concern. Of all the companies we reviewed, Guardian appears to offer the best coverage at the best rates. Information technology has an extensive network of providers and service locations, merely there is a take hold of: Guardian is available in only nigh 20 states. Seniors residing in those states can use Guardian's "search by ZIP code" function to notice some great deals and dental coverage. Plans ofttimes comprehend the total cost of preventive care, such as standard cleanings and X-rays, and offering upward to ninety percent discounts on basic procedures such as extractions or fillings.

Ease of employ	Service & Response	Pricing
Excellent	Excellent	Excellent

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Pros

• Preventive intendance is wholly covered with in- and out-of-network dental providers
• Guardian has more than 100,000 in-network dental providers
• The dental cost figurer online is accurate
• Easy-to-use online account portal

Cons

• Individual plans are currently available in only about twenty states
• Waiting periods for most all plans

Pricing

Guardian has four dental plans: Diamond, Achiever, Core, and Starter. Plan costs vary depending on the state you live in and the blazon of coverage you need. On average, the plans range from a upkeep-friendly $20 per month to comprehensive coverage expenses around $68 per month, just the cost will also vary between individual plans and family unit plans.

The Bottom Line

Seniors not but appreciate the value of Guardian dental plans, but they too find that navigating the company's online organisation is rather easy and rubber. Using a tablet, computer, or smartphone, policyholders tin quickly admission a list of providers, track claims, get dental piece of work cost estimates, and explore the more than 120,000 participating dentists with Guardian. This provider too requires minimal merits forms (if any) and pays out claims rather quickly, with turnarounds averaging 2 to 14 days.

5. Careington

Careington offers a dental discount program called the Careington 500 Serial, which is non to exist confused with traditional insurance. Rather, this type of program allows simply about anyone to receive discounts ranging from twenty percent to 60 pct on an array of dental procedures. Most preventive, restorative, and cosmetic procedures, such as dentures and implants, that aren't typically covered are discounted with a Careington 500 programme. Customers only pay an annual fee to gain immediate coverage and access to a network of 67,000 participating dentists who offer discounted services for members. In that location are no annual spending caps, and you tin change dentists at whatever time as long as the provider is listed in the network.

Ease of apply	Service & Response	Pricing
Excellent	Above Boilerplate	First-class

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Pros

• Low one-fourth dimension enrollment cost
• Unlimited benefits
• Free benefits for hearing and vision needs, prescriptions, and some specialty wellness care
• No referral necessary to see specialists
• No waiting periods or wellness restrictions

Cons

• May not be as comprehensive as traditional insurance
• Plan members pay all costs non covered by the plan

Pricing

Careington offers straightforward annual prices, starting at $89 for well-nigh enrollees. There is as well a one-time nonrefundable $twenty processing fee when you lot sign upward. Benefits typically are bachelor for use immediately or within a few days. Fee schedules and actual savings for each procedure are listed by the private providers and vary from dentist to dentist. If you aren't happy with your plan, and so you tin can cancel at whatever time within 30 days.

The Lesser Line

Careington's dental plans are great for seniors looking for a depression-cost alternative to traditional insurance. They are fantabulous for people who don't require major dental piece of work, as well as people who need dentures. There are no health checks, historic period requirements, or pre-authorizations needed earlier seeking treatment under the Careington plan. There is also no long waiting period, and then you tin can seek care right away. Y'all'll besides enjoy the extra discounts for vision, hearing, and prescription services. Sign up today to enjoy significant savings without dealing with insurance paperwork.

vi. Aetna

Aetna, with its broad network of providers, is one of the nigh popular insurers in the U.Due south. The company primarily deals with dental group plans, and then dental insurance options are available in only a few states, including Alaska, Pennsylvania, Arizona, Delaware, and Illinois. For seniors living in any of these states, Aetna is a solid dental insurance provider with numerous options to consider. Older adults may be tempted past benefits such as coverage for dentures after a waiting period and low monthly rates for individuals and families.

Ease of use	Service & Response	Pricing
Splendid	Above Boilerplate	Higher up Average

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Pros

• Premium plans cover 100 percent of preventive treatments and about other plans comprehend 80 per centum
• Easy-to-navigate website with convenient online claim forms and tracking
• Coverage for dentures later a waiting period

Cons

• Individual plans are currently limited to a scattering of states
• Waiting periods range from six months to a yr and a half
• Payments must be made online

Pricing

Premiums vary depending on your state of residence and electric current health condition. On average, the lowest premiums toll between $25 and $31, while upgraded plans boilerplate $33 to $47. Those are some of the almost reasonable rates on the marketplace, making Aetna dental insurance a great bargain for people who are eligible.

The Bottom Line

Availability is highly express, but people who can get Aetna should requite their plans a hard look. With such low rates and exceptional coverage through a wide network of superlative-notch dentists, it'south a dandy way to salvage money and maintain oral health. Seniors with Aetna volition savour up to lxxx percent coverage for denture repairs and generous coverage for new dentures and replacements.

vii. Freedom

The Liberty Dental Disbelieve Programme is a wonderful option for people non seeking a long-term commitment or some other monthly neb for a traditional insurance programme. On average, you can save anywhere from 10 per centum to fifty percent for most dental services and procedures, with extra benefits for preventive cleanings and 10-rays. There is even a senior rate, and yous can brainstorm receiving discounts immediately even for major services such as crowns, dentures, implants, and root canals. In that location are no deductibles or maximums, and you but pay the discounted rates straight to the provider. That means there's no paperwork or claims to file. Freedom Dental is currently available in 10 states: California, Florida, Hawaii, Illinois, Nevada, Missouri, New York, New Jersey, Oklahoma, and Texas.

Ease of use	Service & Response	Pricing
Above Average	To a higher place Boilerplate	Above Average

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Pros

• Low out-of-pocket cost for most procedures
• Aught deductibles and no spending limits
• Coverage begins immediately
• Most pre-existing dental issues are covered
• No required referrals to run across specialists

Cons

• You must choose a primary-care dentist, who your unabridged family must use
• Policies are available in a express number of states

Pricing

The toll of individual plans and family plans varies by location. In general, individual Liberty Dental plans toll betwixt $75 and $100, while family unit plans average $125 to $175 annually. Seniors 65 and up qualify for special discounts that depend on their plan. Prepare to pay a $20 enrollment fee when signing up.

The Bottom Line

Seniors seeking access to emergency care or planning to take some major dental work done volition find Liberty Dental to be an appealing choice. Nigh pre-existing conditions are covered, and you lot can salvage all year long without limits. Low one-time rates and no claims to file are additional perks whatever senior volition appreciate.

eight. Delta

Delta Dental policyholders can cull from over 152,000 network providers beyond the country. Delta is the largest provider in the nation, and it offers both an HMO-type plan, with which you choose providers and run into upwards-front costs, and a PPO plan, with which you can get extra discounts by using the preferred provider network and choosing a primary dentist. Seniors can save upwardly to 45 percent on basic and major services with Delta Dental plans. A truly unique benefit of choosing Delta Dental is that it has the ability to dictate the maximum out-of-pocket costs within several of its plans. For instance, information technology may specify that a crown will cost policyholders a maximum of $300.

Ease of use	Service & Response	Pricing
Above Average	Average	Higher up Average

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Pros

• Customers can choose between a PPO- or HMO-type plan
• Upwardly-forepart fee listings are available from providers
• Some services have maximum out-of-pocket costs

Cons

• Fairly high monthly rates
• Rates increase for people over the historic period of l
• Available in a express number of states

Pricing

There are too many potential toll factors in determining a monthly average for Delta Dental'due south policies. Delta Dental Premier coverage, still, averages $l for one person, $100 for two people, and $154 for a family program. The averages depend on whether you choose the HMO- or PPO-type programme, equally well as the age of the people listed on the policy. Virtually packages fully cover 2 preventive sessions annually.

The Bottom Line

Delta Dental is ideal for seniors looking for a reliable plan with a large network of providers to choose from. Budget-minded seniors can see up-front costs of services with potential providers earlier making a choice, so in that location are no surprises at the dentist's office. If you demand major dental services such as dentures, root canals, and crowns, so Delta Dental deserves to be a candidate on your list.

9. UnitedHealthcare

As ane of the nation's virtually recognized health insurance providers, it stands to reason that UnitedHealthcare would take a strong dental network that is larger than virtually of its competitors. The savings are consistent and predictable with dental insurance from UnitedHealthcare, but prepare to pay a pretty penny for comprehensive and premium plans. There are, even so, cheaper plans with college copays and lower coverage limits for seniors on a budget.

One of the most important things to keep in mind before enrolling in a UnitedHealthcare dental insurance plan is that there are long waiting periods for procedures beyond preventive care. A four- to six-month wait is required for fillings and extractions, for example, and major services such as root canals aren't covered for 12 months. There are also strict limitations on treatments for pre-existing conditions such as cleaved dentures or teeth.

Ease of utilise	Service & Response	Pricing
Higher up Boilerplate	Boilerplate	Boilerplate

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Pros

• Senior-specific plans are bachelor
• Deductibles are depression for near programs — particularly family plans
• One of the largest selections of in-network providers
• Preventive care is available immediately

Cons

• Long waiting periods for major services, betwixt four months and a year
• No coverage for pre-existing conditions such as dentures, cleaved teeth, and span bug
• Challenging to explore pricing without making an official inquiry to the visitor

Pricing

The estimated costs of UnitedHealthcare's vi dental plans are not widely available without searching every state, age brackets, and health issue. We recommend contacting the company directly for its latest rates. If the rates fall in line with UnitedHealthcare's health insurance rates, so wait them to be on the higher end of the spectrum.

The Lesser Line

Seniors who prefer an in-network provider will enjoy the flexibility of UnitedHealthcare, since it offers several deductible and premium levels. There are options to use out-of-network providers, merely procedures may price you more out of pocket. Ane of the greatest benefits for seniors with this company is that it offers age-specific plans designed for older adults. These policies specifically comprehend common senior dental needs such as dentures, bridges, and dental implants.

10. MetLife

MetLife is all-time known for dealing with pocket-sized and large enterprises to handle group life, dental, and other types of insurance for their employees. MetLife, still, besides offers family and private programs through its MetLife TakeAlong Dental plans. Essentially, these plans are designed as "portable" dental insurance that tin can exist transferred between jobs and even into retirement via a Preferred Provider Organization (PPO) through MetLife. That gives seniors the choice to choose a lower-price provider in the network while still enjoying the freedom to choose whatever dentist or specialist they adopt at higher rates. MetLife also sells Dental HMO/Managed Care plans in five states: California, Florida, Texas, New York, and New Jersey. These plans offer more than variety of coverage and have no deductibles, claims, or limits on annual use.

Ease of use	Service & Response	Pricing
Average	Boilerplate	Average

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Pros

• Coverage for 24/7 emergency care and services
• Retirees under an existing plan can easily transition into a PPO individual or family plan
• Expanded diagnostic benefits for procedures like brush biopsies
• Ready fees for multiple service procedures and materials to minimize fee confusion

Cons

• Very few options for individual dental plans
• Pricing disclosure is express online
• Spider web portal is more designed for businesses and employee members

Pricing

There are no fixed prices for MetLife TakeAlong Dental plans, since it depends on several factors including age, health, and smoking habits. Dental HMO/Managed Care plan members bask discounts betwixt 15 per centum and 50 percent and coverage for more than 400 dental procedures.

The Bottom Line

MetLife'due south dental programs are a great way to enhance retirement benefits and keep a grinning on your face. With coverage for services such as implants, dentures, veneers, and other normally needed procedures for seniors, MetLife may be the right option to come across your needs.

Why Is Dental Insurance Of import for Seniors?

Taking intendance of our oral health becomes more important as we age. Seniors have special needs, such equally dealing with gum affliction, root disuse, broken or lost teeth, and even arthritic weather that can lead to dental problems. Retiring seniors, especially, need to brainstorm looking for a program to avoid costly coverage gaps, since Medicare doesn't offer dental coverage.

Nigh dental insurance companies offer an array of array of plans, ranging from bones preventive-but coverage and discount savings plans to comprehensive traditional packages and "gilt-level" plans. Except for dental discount plans, most programs take at least a vi-month waiting menstruation for coverage to kick in, peculiarly for major dental piece of work. That makes finding a new policy earlier losing whatever current coverage essential for older adults.

How Much Is Senior Dental Insurance?

Stand-lone dental insurance plans tin range anywhere from $xxx per month to over $100 monthly for private plans, and family programs average triple those estimates depending on coverage levels. Deductibles typically average between $l and $150 per twelvemonth, merely some plans offering a old deductible for premium policies. The most affordable option for people seeking temporary or depression-cost care is to invest betwixt $75 and $150 in a dental insurance discount program that offers enrollees substantial discounts on all services within days of signing up. Costs vary for different types of coverage by state, age, the number of enrollees, and your selected programme.

Senior Dental Plans and Dentures

Dentures are often covered nether dental insurance plans and dental savings or disbelieve programs. Nether most traditional dental insurance programs, nonetheless, members will have to wait a yr or more to authorize for denture-related services. The good news is that most dental disbelieve plans offering some level of denture coverage within days of enrollment for a small annual enrollment fee. It's of import to cheque each programme carefully to see if there is a pre-existing status clause that prohibits dentures and repairs unless the teeth are lost or broken during a period of coverage nether the policy.

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Source: https://www.seniorliving.org/insurance/dental/best/

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