Hi, Chris Duncan here again and I’m going to discuss the Dental Plans for Seniors. This dental, vision, and hearing plan is great for all ages, but especially those that have Medicare. Medicare doesn’t cover routine dental, vision, and hearing and this plan is a terrific compliment because it fills in where Medicare doesn’t cover at one low monthly price.  

What’s so Special About the Dental Plans For Seniors

One of the reasons I’m so excited about Dental Plans For Seniors is it’s one of the few plans that will cover dental, vision, and hearing all in one plan. Most plans just cover dental and there are some that cover dental and vision, but it is unusual to find one that covers all three. In addition, this plan doesn’t lower the amount it will pay for vision services. Other plans that include vision usually cap what it will pay at two or three hundred dollars. Also, this plan charges roughly the same and in some instances less than other plans that only cover dental or just dental and vision.

What’s In It For You, Besides No Network Limitations?

The first reason our clients love this policy is that it is easy to use. What makes it easy to use is there are no network limitations. 

• You don’t need to be checking any lists or websites to see if your provider accepts the plan.
• You can continue to use whatever, dentist, optometrist, or audiologist you are already using. 
• The policy is set up to give you more coverage each year until it reaches the maximum in the third year. The incentive is the premium remains the same while your coverage increases each year during the first three years. 
• This plan is eligible to anyone age 18 to 85 and you can’t be denied coverage. 
• You have guaranteed acceptance with this program, there are no health underwriting questions to answer. 
• This policy is also guaranteed renewable for life. This means that your policy can never be canceled as long as you pay the premiums. 
• There are three maximum benefit options to choose from, a $1,000 benefit, a $1,500 benefit, and a $3,000 benefit. Almost all of our clients either get the $1500 benefit or the $3000 benefit, because they offer the most bang for your buck.

3 Interesting Facts about the This Plan with Hearing and Vision Coverage

• There is first-day coverage for the vision and hearing exams 
• there is also a six-month waiting period to have coverage for glasses and contacts 
• and there is a 12 month waiting period for new hearing aids and existing hearing aid repairs

How to get the Maximum from This Dental Plan for Seniors

This product is unique because it allows you to use your benefit any way you choose. Let’s use the $3,000 maximum benefit as an example. You get to use this $3,000 however you choose. Maybe one year you need to use all $3,000 on dental. You can do that. Or maybe you need to use $3,000 on a hearing aid. You can do that. Maybe you need to use $2,000 on dental and $500 on glasses and $500 on hearing aid repairs. You can do that too!  You’re probably getting the picture. And most plans give you limitations on how much you can spend in each arena. But not with this plan. You get the freedom to choose how you use it. 

I love plans that give freedoms for a couple of reasons:

• 1st: the freedom to choose the provider you want to use. That’s a no-brainer. 
• 2nd: the freedom to choose how you use your benefits. That’s an easy choice too.
• 3rd: I love freedom with these types of policies. No one calls me to complain about the policy and that their dentist or other providers don’t take it. I get virtually no calls from my clients about this plan.  I love providing it and my clients love using it.  

Ok, let’s knock out a couple of other details then we’ll get to the costs. 

• This plan has a very low deductible of $100 per year. 
• Another great part about this policy is the deductible is only once per year and the deductible covers all three arenas. 
• You don’t have to pay a separate deductible for each dental, vision, and hearing arena. The once per year deductible covers all three arenas.  

Increasing Benefit Structure

We’ll get to the graduated benefit structure for the Best Medicare Senior Dental Insurance policy that gives over the first three years. 

• The 1st year of the policy it will pay 60% for usual and customary charges,
• The 2nd year the plan will pay 70% and the third year and beyond. . . 
• The 3rd year and beyond or for the rest of the life of the policy it pays 80% of the usual and customary charges.  

What You Should Be Aware Of

There are a few waiting periods you need to be aware of with this policy in the dental arena.  

• There is a one-year waiting period for what the policy calls major services. These major services are but are not limited to, bridges, crowns, full dentures or partials, full mouth extractions, root canals. 
• There are some programs that have no waiting periods for major services, but they only pay out about 15% during the first year and only about 50% in the second year. 
• If you have a major service that is say $1500 it’s only going to pay out a max of $225. All the while they are charging you $60 or $75 a month. 

In my opinion, it’s great marketing to be able to put on the brochure that there is no waiting period for major services. It sounds great but really doesn’t make a lot of sense when you look at it. But what is important with this program though there are no waiting periods for preventative and basic services. It’s important because preventative dental procedures are extremely important to our overall health. You know poor oral hygiene is tied to many of the chronic conditions we can acquire. 

The examples of basic and preventative services that have no waiting period are:

• twice-yearly exams
• cleanings
• x-rays
• fillings
• and extractions (other than “full mouth” extractions). 

You gotta wait one year to get all your teeth pulled. But these basic and preventative services, they’re covered on the very first day. A lot of our clients actually schedule their first dental visit the very first day the policy is in effect. 

This Dental Plan for Seniors Has Affordable Rates

Most of my clients that choose this plan when they are age 64. We provide this plan all over the country so what I’m going to give are the average prices. They might be a little higher or lower in your area. 

• $1,000 benefit will be about $35 per month
• $1,500 benefit will be about $46 per month 
• The best plan is the $3,000 benefit. It is almost $60 per month

They came out with the $3000 dollar benefit plan a little while ago and it is quickly becoming our most popular plan. As you can see it has the best value. If you are getting this policy past age 65 the prices are about 4 or 5 dollars more per month. These are issue age prices meaning the prices don’t go up as you get older. The rates are subject to increases, but the insurance company can only do so if they raise rates for everyone. They can’t raise your rates just because you’ve had a lot of claims. We have seen this product in the past have extremely stable rates. There have been increases over the years but only by a few dollars.     

Easy to Enroll. Less than 10 Minute Phone Call

There are no forms to fill out or emails to send, it’s all done electronically. Just give me a call and I will take all of your info and get it securely loaded into the system. The call will take less than 10 minutes. So go ahead and give me a call at 800-910-3382 so we can get you covered. I get a call almost every day from someone that needs major work like yesterday. This is like trying to get insurance on your house when it is on fire. Let’s get you covered now so you can have the basic and preventative services in place on day one of the policy and get the 1 year waiting period clock ticking to get that out of the way before you have a dental problem.  

Conclusion — Dental Plans for Seniors: Amazing Guaranteed 1st Day Coverage

• This is one of the only policies that offer dental, vision, and hearing coverage. Most only offer just dental or dental and vision. Also, this plan charges roughly the same price or less for dental, vision, and hearing.  
• This policy has no networks so you have coverage at any provider. 
• There is a low once per year $100 deductible and that one deductible covers dental, vision, and hearing.  
• It has an increasing benefit schedule and will pay 60% the first year, 70% the second year, and 80% the third year, and beyond the usual and customary charges.  
• There are a few waiting periods. A 1 year waiting period applies for major dental services, hearing aids, and hearing aid repairs. Six month waiting period for glasses and contacts. There is no waiting period for basic and preventive dental services.  And no waiting period for vision and hearing exams. 

Conclusion Continued — 3 Benefit Levels

• There are three maximum benefit options. $1,000, $1,500 and $3,000. Almost all our clients get $1500 and $3000 is becoming our most popular option.  The average rate for a 64-year-old on the $1,000 benefit plan is $35 per month, $1,500 is $46 per month and $3,000 is almost $60 per month. Rates are issue age so they can’t increase with age, but the rates are subject to increases, but the insurance company can only do so if they raise rates for everyone. So they can’t raise your rates just because you’ve had a lot of claims.  
• In addition, this product has had stable rate increases in the past. Anyone age 18 to 85 can purchase the policy and you can’t be denied coverage. 
• The policy is guaranteed acceptance, there are no health underwriting questions to answer. Furthermore, the policy is guaranteed renewable for life, meaning you can never be canceled. The only way to lose the policy is if you choose to cancel or you don’t pay the premiums. By the way, you can cancel anytime there are no contracts. Lastly, it’s extremely easy to enroll. Give me a call and we do it electronically. There is nothing for you to fill out or emails to send. We can have it done in less than 10 minutes. 

About The Author — Christopher Duncan

I’m Chris Duncan, owner of Trusted Benefits Direct. As your Medicare advisor, I want you to know that my business offers superior solutions for everyone. I do not work for insurance companies, which allows me to serve you at a high level without any hidden agendas or conflicts of interest. All resources are provided at no cost. Because people must find peace of mind when looking ahead years down the line.

As an insurance agent, it’s my goal to make your life easier. That includes the process of securing all types of coverage for you and your loved ones, including Medicare Supplements, Medicare Advantage, Medicare Part D, Final Expense life insurance services, and retirement security plans. You can reach me toll-free at 800-910-3382 or get a free quote on MedicareRateQuote.com with just a few clicks! Don’t forget that I also offer contact forms if you would like more information from trustedbenefitsdirect.com – click here now!

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