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Maintaining good oral health becomes increasingly important as you age. Unfortunately, many seniors lose their dental insurance coverage after leaving the workforce, making it difficult to keep up with their dental care. However, Aflac's dental insurance can help seniors afford many essential dental services, from routine exams to major procedures. Read on to learn about the best dental insurance plans for seniors.
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Dental insurance helps reduce the cost of covered dental services. To maintain coverage, you pay a monthly premium to your insurance provider. In exchange, your plan helps cover certain dental treatments.
Coverage levels depend on the specific plan you choose. For example, Aflac's network dental insurance can help lower your out-of-pocket costs for:
Some dental insurance plans also come with vision and hearing coverage, like Aflac's DVH insurance. Meanwhile, our supplemental dental insurance can offer cash benefits to help cover other eligible expenses.
Most seniors over 65 qualify for Medicare. However, Original Medicare (Parts A and B) generally doesn't cover dental care.1 Due to this coverage gap, many retired seniors purchase a separate dental insurance plan to help reduce their out-of-pocket dental costs.
If you're interested in purchasing your own dental insurance plan, you can choose from the following options.
At Aflac, we offer network dental insurance and supplemental dental insurance for seniors, along with our DVH insurance. The right option depends on your needs and budget.
Don’t wait until it’s too late. Protect yourself and your family with coverage from Aflac.
Get StartedOn average, monthly dental insurance premiums range from $26 to $52,2 depending on the level of coverage you choose.
Aflac's network dental insurance covers many preventive services with no waiting period, including routine exams and cleanings. For more complex procedures, your plan may cover a portion of the cost after a short waiting period, depending on your copayment or coinsurance.
Dental insurance is a smart investment for many seniors. After all, gum disease, tooth loss, dry mouth and oral cancer are more prevalent in patients over 65.3 Routine dental checkups can help prevent minor dental issues from developing into more complex and expensive problems. Dental insurance can help you afford the services you need to keep your teeth and gums healthy.
Without insurance, even common procedures can be expensive. Just take a look at the average cost of the following services without insurance:
Aflac's dental insurance can help cover the cost of many of these procedures, making it easier to maintain your oral health on a retirement budget.
At Aflac, we offer several dental insurance plans that can help seniors manage their dental care costs, including our network dental insurance, supplemental dental insurance and DVH insurance.
Key benefits of Aflac's plans include:
Ready to take charge of your oral health? Speak with an Aflac agent today to learn more about our dental insurance for seniors and get a quote.
Get StartedOriginal Medicare (Parts A and B) generally doesn’t cover routine dental care. As a result, many seniors choose to purchase separate dental insurance plans to help cover these costs and reduce their out-of-pocket expenses in retirement.
The best dental insurance for elderly patients depends on their dental care needs, budget and preferred dentists. Some seniors may prefer plans with lower monthly premiums, while others may prioritize plans that provide more comprehensive coverage.
The cost of dental insurance for seniors can vary based on your plan type, coverage level and location. As you compare plans, carefully review their monthly premiums, deductibles, coinsurance and annual maximums to understand your potential out-of-pocket costs.
Yes. If you're retired, you can purchase a dental insurance plan directly from Aflac. We offer network dental insurance, supplemental dental insurance and DVH insurance plans for seniors.
Emergency dental care can be costly without insurance. Learn what to do in a dental emergency and how dental insurance can help.
Looking for dental insurance that covers implants and dentures? Aflac walks through all the benefits of full coverage dental insurance like preventative care, basics, and major services.
Emergency dental care can be costly without insurance. Learn what to do in a dental emergency and how dental insurance can help.
Looking for dental insurance that covers implants and dentures? Aflac walks through all the benefits of full coverage dental insurance like preventative care, basics, and major services.
1 Medicare.gov – Dental services. Updated N/A. https://www.medicare.gov/coverage/dental-services. Accessed March 12, 2026.
2 Forbes – Is Dental Insurance Worth It? Updated January 10, 2025. https://www.forbes.com/advisor/health-insurance/dental-insurance/is-dental-insurance-worth-it/. Accessed March 12, 2026.
3 NIH – Epidemiology of oral health in older adults aged 65 or over: prevalence, risk factors and prevention. Updated June 23, 2025. https://pmc.ncbi.nlm.nih.gov/articles/PMC12185596/. Accessed March 12, 2026.
4 Healthinsurance.org – How much do dental cleanings cost without insurance? Updated October 30, 2025. https://www.healthinsurance.org/blog/how-much-do-dental-cleanings-cost-without-insurance/. Accessed April 1, 2026.
5 GoodRX – How Much Does a Dental Crown Cost? Average Prices With and Without Insurance. Updated on September 3, 2024. https://www.goodrx.com/conditions/dental-care/dental-crown-cost?. Accessed March 12, 2026.
6 Authority Dental – Cavity Filling Cost: Average Prices With & Without Insurance. Updated January 24, 2026. https://www.authoritydental.org/cavity-filling-cost. Accessed January 29, 2026.
7 Sunny Dental – The Real Broken Tooth Extraction Cost Without Insurance (Plus Hidden Fees Nobody Mentions). Published August 19, 2025. https://sunnyislesdental.com/tooth-extraction-cost-without-insurance/. Accessed January 29, 2026.
8 GoodRX – How Much Do Dentures Cost? Updated on February 20, 2025. https://www.goodrx.com/health-topic/oral/cost-of-dentures?. Accessed March 12, 2026.
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 coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Dental: In Delaware, Policies A82100R–A82400R. In Idaho, Policies A82100RID–A82400RID. In Oklahoma, Policies A82100ROK–A82400ROK. In Virginia, Policies A82100RVA–A82400RVA. Dental, Vision, and Hearing coverage is underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
Dental, Vision and Hearing: In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. Dental claims are administered by SKYGEN USA, LLC. 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.
Coverage/plan levels may not be available in all states, including but not limited to NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on plan selected. 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.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999
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