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Old 01-21-2019, 06:24 PM   #1
bigdog
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Default Looking for Dental Plans

I am recently retired and looking for dental plans.
I am currently enrolled in Medicare Part A & B, and soon to be enrolled in Supplementals plan under Tufts medical.

Should they not provide dental services, are there any other plans seniors can join at a reasonably monthly cost ?

Thank you all !
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Old 01-21-2019, 07:22 PM   #2
Aunt Lula
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I manage a dental practice in CT and I am always looking for dental plans for seniors/retirees. There are very few out there and many will have a waiting period before it will cover major things like crowns and bridges (possibly one year). Self pay plans are very expensive. Take a look at Delta Dental of PA/NY thru AARP or Delta Dental of WI. I have a few patients with those plans, but their premiums are high. You do not need to reside in those states to be on the plans. I have actually advised many patients that they may be better off NOT buying dental insurance and just financing thru their dentist if they can. Many dentist use an interest free program called CareCredit.
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Old 01-22-2019, 07:41 AM   #3
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I have a met life plan thats really good. It was available thru one exchange
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it's tough to make predictions specially about the future
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Old 01-22-2019, 07:57 AM   #4
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Dental insurance is not usually a very good deal. Some dentists don't accept it and benefits are very limited. Most have a limit of $2,000 or less which is easily used up with major work.
You'll probably come out ahead if you use a savings plan or finance major care .
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Old 01-22-2019, 08:05 AM   #5
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My advise is to take them out and let them soak overnight.
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Old 01-22-2019, 09:08 AM   #6
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I agree with Aunt Lula. In my experience shopping plans for employees and employers Dental insurance tends to be very expensive and over time it is almost always cheaper to pay out of pocket than paying the premiums.


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Old 01-22-2019, 10:04 AM   #7
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I also agree. I have shopped them for employees for years and never found one worthwhile. Unlike health insurance you are unlikely to have a hundred thousand dollar expense or more. It is nothing but an expense.
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