Older adults are the most at risk when it comes to dental outcomes, often needing more specialized care than others. With age, teeth and gums can decay, leaving us more susceptible to disease. Common senior health conditions, like osteoporosis, diabetes and even heart disease can affect dental health, making regular care more important than ever.
While dental insurance isn’t typically included as part of standard medical insurance, it can be purchased separately as a stand-alone plan. If you’re a senior considering the investment in dental insurance, here’s some important information.
Coverage Beyond Basic Protection
In general, basic dental insurance covers cleanings and routine checkups, x-rays, fillings and extractions. Some policies may extend partial coverage to more complex procedures, such as crowns, root canals and deep cleanings.
For seniors, it makes sense to look for dental coverage that goes beyond the basics, with coverage for procedures seniors are more likely to need. For instance, periodontal disease is common, but treatment is costly, typically involving implants to stop inflammation and protect bones around the mouth.
Getting fitted for dental implants may require a specialist—a procedure that is not covered under basic insurance. Of course, dentures and cosmetic services, such as teeth whitening, veneers and even braces are not covered under basic coverage, but may be something seniors would like to explore with enhanced benefits.
Dental Hygiene and Health
In many cases, poor dental hygiene is the trigger that leads to many health problems, like pneumonia and insulin resistance—another reason why taking steps to ensure good oral health is smart.
Seniors are more susceptible to certain dental conditions that impact quality of life. The following can lead to mouth and gum pain, an inability to chew, irritation, missing teeth and cavities:
- Root Decay
- Gum Disease
- Oral Cancer
- Tissue Inflammation
Medicare does not provide routine dental care, but only pays when medically necessary. Most Medicare Advantage plans offer dental benefits, with different plans offering different coverage.
Choosing the Right Colorado Senior Dental Plan
Choosing the right plan isn’t complicated, but can be much easier with the right help. We have answers, and we’re happy to share helpful tips along the way as you navigate your options.
For instance, most dental plans today has a mandatory waiting period before coverage starts. That means that after you buy, you may have to wait for up to two months before you can use your policy. Waiting until you actually need coverage before buying isn’t always the best strategy.
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