Looking for Dental Plans

bigdog · 01-21-2019, 07:24 PM

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 !

Aunt Lula · 01-21-2019, 08:22 PM

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.

phoenix · 01-22-2019, 08:41 AM

I have a met life plan thats really good. It was available thru one exchange

SAMIAM · 01-22-2019, 08:57 AM

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 .

pondguy · 01-22-2019, 09:05 AM

My advise is to take them out and let them soak overnight.

joey2665 · 01-22-2019, 10:08 AM

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.

Sent from my iPhone using Winnipesaukee Forum mobile app

tis · 01-22-2019, 11:04 AM

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.

01-21-2019, 07:24 PM	#1
bigdog Senior Member Join Date: Apr 2006 Location: Central MA-Gilford Posts: 1,451 Thanks: 347 Thanked 123 Times in 97 Posts	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 !

01-21-2019, 08:22 PM	#2
Aunt Lula Member Join Date: Jan 2010 Location: Fairfield, CT Posts: 24 Thanks: 5 Thanked 6 Times in 5 Posts	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. __________________

01-22-2019, 08:41 AM	#3
phoenix Senior Member Join Date: Apr 2004 Location: phoenix and moultonboro Posts: 1,561 Thanks: 61 Thanked 276 Times in 194 Posts	I have a met life plan thats really good. It was available thru one exchange __________________ it's tough to make predictions specially about the future

01-22-2019, 08:57 AM	#4
SAMIAM Senior Member Join Date: Apr 2004 Location: Moultonborough Posts: 2,913 Thanks: 338 Thanked 1,692 Times in 594 Posts	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 .

01-22-2019, 09:05 AM	#5
pondguy Senior Member Join Date: Jan 2009 Posts: 275 Thanks: 589 Thanked 205 Times in 129 Posts	My advise is to take them out and let them soak overnight.

01-22-2019, 10:08 AM	#6
joey2665 Senior Member Join Date: Sep 2008 Location: Meredith Bay & LI, NY Posts: 3,222 Thanks: 1,219 Thanked 1,009 Times in 649 Posts	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. Sent from my iPhone using Winnipesaukee Forum mobile app

01-22-2019, 11:04 AM	#7
tis Senior Member Join Date: Jan 2006 Posts: 6,780 Thanks: 755 Thanked 1,466 Times in 1,022 Posts	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.