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With age, it becomes even more important to take care of your dental hygiene. It can seem like a daunting task to make it to the dentist, but Aflac offers affordable dental insurance for senior citizens. Depending on your coverage goals, there are various dental insurance options to choose from.
Regulations and coverage for dental plans vary from state to state, so it’s important to seek out choices accordingly. Dental insurance for seniors in California may look very different from those in Georgia. Regardless, we can help you find an insurance plan that makes the most sense for seniors over 65.
Not surprisingly, both dental and vision insurance for seniors are important areas to focus on. They work differently than other insurance types but are just as crucial to overall health. For example, regular eye and oral exams can detect early signs of more serious conditions, like brain tumors, cancer and diabetes.1
Most seniors over 65 automatically qualify for a Medicare policy.2 However, not all Medigap and Medicare policies cover dental or vision treatments and procedures. Having supplemental dental insurance for seniors on Medicare could be a smart move.
Luckily, Aflac’s dental insurance allows you to add vision and hearing coverage to your plan. This way, you can make sure all your bases are covered with one holistic policy.
Our dental insurance plan helps cover preventative care, minor treatments, and some major procedures. There’s no waiting period for most routine services and a short wait for more invasive treatments. The best dental insurance plan for seniors will depend on which specific procedures you need.
Discover which plan works best for your unique needs and compare dental insurance plans for seniors. Researching dental insurance for seniors and their reviews can help you gather more information to make an informed decision.
Network dental insurance may be a good choice if your usual dentist is a member of a specific network. A network is a group of dentists that agree to provide services at a set rate within an insurance company. The insurance company then provides benefits if you visit an in-network dental provider. You may have to pay higher rates if you choose to see an out-of-network dentist.3
With Aflac’s dental insurance, you have the choice to work with any of our participating dentists, regardless of the network they are in.
Dental insurance for senior citizens is an area of wellness that shouldn’t be neglected. Even if you have a primary dental insurance plan, there may still be expenses to be paid out-of-pocket. Supplemental dental insurance helps provide coverage in areas not covered by a standard dental plan.
Aflac also provides supplemental dental insurance if you already have a primary plan and need additional support.
A dental discount plan can be affordable for seniors but does not offer annual benefits like a network or supplemental dental insurance plan would. A dental discount plan requires you to pay a membership fee per year and then offers you discounts on specific dental treatments and procedures.4 This kind of plan is not offered at Aflac.
Dental insurance plans for seniors can provide coverage for many treatments and procedures, but varies depending on the insurance company you choose to work with. From preventative care to major diagnostic procedures, you can meet your coverage goals with Aflac’s dental insurance.
Unlike most dental coverage, with Aflac’s dental insurance you have the option to add hearing and vision coverage to your plan. We make it easy to care for many aspects of your health with just one plan.
As mentioned, vision and dental insurance aren’t always covered in standard healthcare plans. Therefore, it’s crucial to research your options and find the best options for vision and dental insurance for seniors. Supplemental dental insurance can also be a wise move to maintain a strong oral hygiene routine.
Some plans may seem like they are offering cheap dental insurance for seniors, but there may be surprising fees that arise later. However, low-cost dental insurance is feasible. At Aflac, you can find affordable dental insurance options for senior citizens.
Aflac’s dental insurance is a great choice for seniors because you have the option to add vision and hearing to your existing plan rather than enrolling in multiple plans. You have the freedom to work with any dentist, and we offer budget-friendly rates. Chat with an agent today to see how you can take charge of your dental hygiene.
1 American Association of Ophthalmology - 20 Surprising Health Problems an Eye Can Catch. Updated January 19, 2023. Accessed January 24, 2024. https://www.aao.org/eye-health/tips-prevention/surprising-health-conditions-eye-exam-detects.
2 AARP - Medicare Eligibility, Age, Qualifications and Requirements. Published December 05, 2022. Accessed January 23, 2024. https://www.aarp.org/health/medicare-insurance/info-04-2011/medicare-eligibility.html.
3 Investopedia - How Does Dental Insurance Work. Updated December 15, 2023. Accessed January 23, 2024. https://www.investopedia.com/articles/personal-finance/111715/how-does-dental-insurance-work.asp.
4 Byte - What Is a Dental Savings Plan. Updated December 28, 2022. Accessed January 23, 2024. https://www.byte.com/community/resources/article/what-is-a-dental-savings-plan/.
Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
Arkansas, Policies A81100AR–A81400AR. Policies A82100RAR–A82400RAR. In Delaware, Policies A81100–A81400. Policies A82100R–A82400R. In Idaho, Policies A81100ID–A81400ID. Policies A82100RID–A82400RID. In New York, Policies NY81100–NY81400. Policies NY82100–NY82400. In Oklahoma, Policies A81100OK–A81400OK. Policies A82100ROK–A82400ROK. In Oregon, Policies A81100OR–A81400OR. Policies A82100ROR–A82400ROR. In Pennsylvania, Policies A81100PA–A81400PA. Policies A82100RPA–A82400RPAR. In Texas, Policies A81100TX–A81400TX. Policies A82100RTX–A82400RTX. In Virginia, Policies A81100VA–A81200VA. Policies A82100RVA–A82400RVA.
Coverage underwritten by Tier One Insurance Company.
Dental, Vision and Hearing: In Arkansas, Policy T80000AR. In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. In Oregon, Policy T80000OR. In Texas, Policy T80000TX. Not available NY or VA. Dental claims are administered by Aflac Benefits Solutions, Inc. Vision claims are administered by EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing. NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits. Tier One Insurance Company is part of the Aflac family of insurers.
This is a brief product overview only. Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY or VA. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions. For complete details, including availability and costs, please contact your local Aflac agent. Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999
Z2400049
EXP 3/25
