How to Get Dental Insurance for an Elderly Person

If you have an elderly person in your family, you know that with age, dental health starts deteriorating. It is important to have dental insurance for an elderly person to help deal with dental problems that arise intermittently. However, only a few insurance companies offer dental coverage, especially when a person is 62 years or above.

Difficulty: Moderately Easy

Instructions

1. Go online and search for insurance companies that provide dental coverage to an elderly person. You can also go through the yellow pages and find the phone numbers of insurance companies or agents.

2. Shortlist the contact numbers of the agents specializing in dental insurance. Inform them about the kind of coverage you need.

3. Collect information from the agents about different dental plans. Get quotes from different insurance companies. The premium is usually $550 per year though dental plans vary from one company to another. As a result, the premium will vary depending on coverage clauses.

4. Consult your local dentist and inquire about plans that would suit the elderly person in your family.

5. Check institutions that provide dental coverage to its members. The AARP (American Association of Retired Person) extends dental insurance plans to its members. Consider becoming a member and getting benefits.

6. Inquire about the senior citizen plans offered in your state. Elderly persons and senior citizens qualify for dental plans at a subsidized premium rates.

7. Collect more information from various magazines and periodicals. Check out your local library.

8. After comparing quotes and suitable coverage, purchase the insurance plan that best fits your needs.

Tips & Warnings

• Ask for discounts and benefits.
• Compare the dental plan coverage with your general health plan. Usually, a dental plan offers wider and more specific dental coverage than a general health plan. If this is the case, you may avoid dental coverage in your health plan and get a reduced premium.
• Buy supplemental insurance if you need it.
• Consider using the retirement benefit along with the dental coverage.
• Dental plans for elderly are expensive, especially when they come from quality providers. Be prepared to pay a high premium every month.

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