As and when an individual start aging, there are rising needs for health care. With more than 25% of expenses moving towards dental services, it is of utmost importance to take dental care more seriously. Some of the recent reports show that many seniors avoid dental care due to heavy expenses that come with it. Firstly, it is important to go for regular dental visits in order to be sure that you do not fall prey to any dental disease. It is always advisable that dental maintenance should be at par with other health checkups. Secondly, senior citizens require special dental care as they are susceptible to dry mouth, root decay, thrush which is the overgrowth of fungus in the mouth, loss of the structure of the teeth caused by mechanical forces, etc. These specific dental problems can lead to further health issues that affect the ability of a senior citizen to sustain a healthy lifestyle. The dental problems also adversely affect the ability to chew or eat, pain in the gums, cavities and tooth decay. Therefore, it is must to have a good quality and comprehensive dental insurance for senior citizens. It is interesting to know that dental insurance is not typically a part of most of the medical policies.

You are required to pay significant fees when you go for an annual dental check-up. Add in all your family members, and the amount multiplies quickly. Dental insurance helps you get high-quality dental care at much-reduced costs. Choosing the right dental insurance for your needs Dental insurance from a reputable provider will cover everything from routine tests to complex dental problems. Rather than avoiding a visit to the dentist because you can’t afford it, invest in dental insurance. It will not only save you money but offer peace of mind as well. Which scheme won’t hurt your pocket? The first concern that deserves your consideration is your monthly budget. There are two types of dental insurance plans- DHMO (Dental Health Maintenance Organization) and PPO ( Preferred Provider Organization ). It is crucial to understand the differences to make an informed decision. With a PPO, you can select any dentist with no hesitation. You will only have to contribute a co-payment for the process. But the cheaper alternative, the DHMO, you will have to select a primary dentist from the given list. For a particular treatment, you would have to get a referral from your primary provider. So, with the PPO you have more freedom to use the service, but the premium is also higher than the DHMO.

There are usually gaps in a policy holder’s medical or dental coverage. Supplementary insurance is the insurance that a policyholder purchases in order to fill in that gap. When you’re annual spending is reached, then gaps can occur in your coverage. Many health plans do not include dental insurance as part of the plan hence most of the time dental insurance itself is acquired as a supplementary policy. Supplementary dental insurance is a good option in case you need extra dental coverage to help you with the costs that are not covered by your existing dental plan. Sometimes it happens that your dental plan may not cover the procedure that you need to get done. This is the kind of classic scenario wherein the supplementary dental insurance comes into play as it helps bring down the high payments and also offers extra coverage. The most common Supplemental dental plans are PPO (Preferred provider organization) Plans where they have a network of dentists whom you can choose from. If you already have dental insurance but are looking to bring your rates further down, you can get enrolled in a Dental Discount Plan. They are easy to enroll, don’t cost as much and they help you save more money.

Most people realize the importance of visiting a doctor regularly but what we don’t realize that a healthy mouth can help reduce the risk of developing many medical problems. In order to help you maintain a healthy mouth, Aetna offers affordable dental insurance. The dental plans offered by Aetna come packed with values and extras. Aetna also has a discount dental service plan that it offers to its customers. Their insurance plans help keep costs low, allows members to visit any licensed dentist and also provides tools online in order to enable customers to manage their dental benefits. Aetna offers various types of dental plans. Some of them are as follows: Network Only Plans (DMO): The DMO plans offer dependable coverage that is really easy to use. This plan works to combine the advantages of coordinated care from a dentist along with a broad range of services. DMO is available at a cost lower than the regular PPO plans. Members are free to choose the dentist of their choice from Aetna’s dental network. The copay is fixed in order to keep insurance costs low and is available for customers who are fully insured. Network Option Plans (PPO) : You have the choice of seeing any dentist that you want to even if the dentist does not come under the Aetna dental network.