Caring for aging parents can be a challenging yet incredibly rewarding journey. As our loved ones grow older, their healthcare needs evolve, and dental health becomes an essential aspect of their overall well-being.
In this guide, we'll walk you through the process of buying dental health insurance for your aging parents so they maintain those radiant smiles for years to come.
Assess Your Parent's Needs
Before you dive into the world of dental insurance, it's crucial to assess your parent's specific dental health needs. Start by considering their current oral health status, any existing dental issues, and their future needs. For example, do they require routine check-ups and cleanings, or are they facing more complex dental procedures? Knowing this will help you choose the right insurance plan.
Understand the Types of Dental Benefit Plans
Your parent is likely retired so they won’t have access to coverage through an employer. That leaves you with one of two more common options:
a. Preferred Provider Organization (PPO): PPO plans offer more flexibility, allowing you to visit any dentist, but they may have higher premiums. They are a good choice if your parent has a preferred dentist they'd like to continue seeing.
b. Medicare: Medicare, which is a federally-administered medical coverage program, applies mostly to American 65 years or older but does not always offer comprehensive dental benefits. However, there is an element to Medicare that allows for approved private benefits companies to provide Medicare services, and this could include dental services.
Research Available Plans
Now that you know your parent's needs and the types of dental insurance, it's time to research available plans. You can start by:
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Checking with your parent's current health insurance provider: Some health insurers offer dental coverage as an add-on.
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Exploring standalone dental insurance providers. Delta Dental of Washington specializes specifically in dental coverage, meaning we provide a range of plans designed for every budget and patient need.
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Consulting an insurance broker: A knowledgeable broker can help you navigate the complex world of insurance and find the best plan for your parent's needs.
Delta Dental of Washington Plans
Delta Dental of Washington believes that everyone deserves a radiant smile, no matter what stage of life they’re in or what their financial barriers may be. We offer four dental plans suited for retirees with affordable 2023 premiums as low as $45.55 per month in western Washington and $34.45 in eastern Washington.
These plans provide preventive care at little or no cost and cover more complex procedures at varying levels. We designed them with you and your aging loved ones in mind so that you can have the peace of mind that your family is getting the best care possible.
Shop the right plans for you and your parent here.
Shop plansCompare Coverage and Costs
When comparing dental insurance plans, pay close attention to:
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Premiums: The monthly cost of the insurance.
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Deductibles: The amount you must pay before the insurance kicks in.
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Coverage limits: The maximum amount the insurance will pay for various dental procedures.
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Network: Check if your parent's preferred dentist is in the plan's network.
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Waiting periods: Some plans may have waiting periods for specific treatments, so be aware of these.
Consider Additional Benefits
Many dental insurance plans offer additional benefits, such as coverage for orthodontics, dentures, or even vision care.
Delta Dental of Washington partners with VSP® Vision to provide DeltaVision®, available to add to a new or existing Individual dental plan.
Think about your parent's unique needs and consider whether these extras would be beneficial.
Read the Fine Print
Before making a decision, carefully read the policy documents. Look for any exclusions, limitations, or clauses that might affect coverage. Don't hesitate to ask questions if something is unclear.
Enroll Your Parents
Once you've chosen the right dental insurance plan, it's time to enroll your aging parents. You may need their personal information, including their Social Security numbers and dental history. Make sure to keep a copy of all enrollment materials for your records.
Open enrollment considerations
Open enrollment for Medicare usually begins in October. If your parents are over 65, they are eligible for Medicare, but Medicare doesn’t usually cover dental procedures. However, you can supplement your parent’s Medicare plan with a Delta Dental of Washington plan for retirees which you can enroll in at any time throughout the year.
Stay Informed
Your responsibilities as a caregiver don't end once the insurance is in place. Stay informed about your parent's dental appointments and treatments. Ensure they are utilizing their coverage effectively and attending regular check-ups.
Be Prepared for Change
As your parent's health evolves, their dental insurance needs may change as well. Periodically reassess their coverage to ensure it aligns with their current health status and needs.
Buying dental health insurance for your aging parents is a meaningful way to invest in their well-being. By following these steps and staying vigilant, you can help them maintain healthy smiles and enjoy a higher quality of life in their golden years. Remember, your care and support mean the world to them, and that's the most important insurance of all.
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