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Best Dental Insurance for Seniors | by heidi


Seniors need oral healthcare. The CDC suggests that one in five seniors 65+ have untreated tooth decay or have lost their teeth, and two out of three have gum disease.1 Moreover, medications for high blood pressure, depression, or bladder control can lead to dry mouth, increasing the risk for cavities and oral fungal infections.2 Unfortunately, Medicare doesn’t cover dental care, leaving seniors to find the best dental insurance independently.3 

Luckily, multiple options for dental insurance for seniors exist to bring down the cost of oral care. The best dental insurance for seniors provides preventative treatment and diagnosis at 100% with no waiting periods. It has generous annual maximums for restorative care, ranging from a basic filling to a dental implant. Moreover, the best dental insurance for seniors provides multiple plan options, low deductibles, and reasonable waiting periods. Here are our top picks.

Anthem is an excellent provider with an extensive Dental Prime network. Established in the mid-1940s, the company has won numerous awards, including a place on Fortune’s the World’s Most Admired Companies for 2020. The Indianapolis-based insurer offers plans both directly and through employers and is available in most states. 

Anthem is the best overall dental insurance provider with reasonable waiting periods and generous annual maximum benefits for subscribers in six different plans. Most of the plans had a $50 deductible for individuals, and there is no waiting period on diagnostic and preventative care. Basic coverage kicks in at three months, and major dental coverage had a six-month waiting period.

Four of the Essential Choice Plans cover bridges, crowns, and dentures at 50% and 70% for the top plan (Essential Choice Incentive). Moreover, the rates were reasonable, although they do vary based on your geography and demographics. For example, the rate in California for a 66-year-old came in at about $16 to $67. Also, Anthem has several plans in many states that work with Medicare Part C to enhance seniors’ care on Medicare.