8 Resources for Affordable Dental Care for Seniors

August 28, 2017

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It’s not easy for older Americans to find and take advantage of affordable dental care these days. However, it’s good to know that there are resources available to make that important task easier and more fulfilling. Without these valuable aids, many seniors would likely avoid caring for their oral health care, or pay far too much out-of-pocket to maintain it effectively.

Medicare resources for affordable dental care for seniors

Medicare, the largest health insurance provider for adults 65 and older, has no provision for routine dental care coverage. Medicare will pay on dental procedures that are considered medically necessary and/or take place in the midst of performing another covered procedure, but standard cleanings, examinations, and advanced services like fillings, crowns, dentures, and the like, are not covered at all.

Visit the Medicare.gov website for official plan information, including how certain dental procedures may be covered.

Medigap, which is a private insurance plan designed to supplement Medicare, also does not offer dental coverage, but there are some private Medicare Advantage managed care plans that do.

The Medicare.gov website also contains plenty of information about the Medicare Advantage plans, including what they cover for dental services.

Under the Affordable Care Act (ACA), Medicare beneficiaries can purchase dental plans through the Marketplace. Stand-alone dental plans are not eligible for subsidies, and in the states where the ACA Marketplace is run by the federal government, only those who also buy health insurance can obtain dental coverage.

The Healthcare.gov website offers valuable tips for seniors with Medicare coverage looking for stand alone dental insurance coverage. This additional dental coverage information can be helpful too.

Medicaid resources for affordable dental care for seniors

"Beyond the more traditional route of dental insurance benefits, there are many other alternative options available to seniors seeking affordable dental care."

Medicaid provides health care coverage for low-income Americans, including seniors, through a federal-state government partnership.

Dental benefits are an optional service for state Medicaid programs, under federal law. States can choose to include adult dental benefits in their Medicaid programs if they wish, and many do. However, the availability of state funds to support Medicaid dictates the extent and availability of affordable dental benefits for low-income beneficiaries.

The Medicaid.gov website contains valuable information to help determine if your state offers adult dental care through Medicaid and what that entails.

Alternative options for affordable dental care for seniors

Beyond the more traditional route of dental insurance benefits, there are many other alternative options available to seniors seeking affordable dental care. The following resources will help you sort through the vast amount of information available, and help you narrow down what options are best for you:

As an older American, you can’t afford to ignore or neglect your oral health. But, understandably, you may not be able to afford to pay for it either. Take some time to review the linked resources in this article and discuss what you find with a trusted friend, family member, or medical professional. One or more of these options may help you bridge the gap and give your oral health the attention it deserves.

Download Now:  3 Ways to Save on Senior Dental Care

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