Best Dental Insurance Plans for Seniors in 2025
As we age, our teeth need more attention. Tooth loss, oral cancer, and facial pain are more common among older adults, but unfortunately, Medicare doesn’t cover most dental care, including cleanings, fillings, extractions, or dentures.1
Some people get dental coverage through retirement plans or Medicare Advantage, but private dental insurance offers a surprisingly affordable way to pay for both routine and major dental work. We’ve researched the top providers to find the best options for seniors.
Savings tip: If saving money is of the utmost concern, take a look at my rundown of affordable dental insurance for seniors.
The Best Dental Insurance for Seniors
- Spirit Dental : No network restrictions
- Humana Dental : Best comprehensive dental coverage
- Aetna Dental : No-cost preventive care
- Cigna Dental : Simple claims process
- Delta Dental : Best affordable option
- UnitedHealthcare Dental : No waiting periods
Dental Insurance for Seniors Compared
| Provider | Annual maximum | Waiting period | Deductible | Monthly premium* |
|---|---|---|---|---|
| Spirit Dental | $5,000 | None | $100 lifetime | $18.30 to $49.79 |
| Humana | Unlimited | Varies | $50 to $150 | Starting at $18.00 |
| Aetna | $1,00 to $1,250 | None** | $50 | $41.82 to $52.09 |
| Cigna | $3,000 | Waived*** | $0 to $100 | Starting at $19.00 |
| Delta | $1,000 to $2,000 | 0 to 12 months | $50 to $150 | $17.32 to $46.06 |
| UnitedHealthcare | $1,500 to $3,000 | Varies | $50 to $100 | $11.99 to $66.49 |
*Premium estimates for a 65-year-old in Pennsylvania
**If you’ve had dental insurance within 90 days
***With prior coverage for 12 or more months
Best Dental Insurance Providers
1. Spirit Dental - No Network Restrictions
What We Like Most:
- Plans with no network restrictions
- Plans made specifically for seniors
- No waiting periods required
- Implant, extraction, and prosthetic coverage
Overview
Spirit Dental stands out because you can see any dentist, anywhere. All their plans cover cleanings and exams at 100%, and there’s no waiting around for coverage to kick in — even for major procedures like root canals.
Spirit Dental Plans for Seniors*
| Plan | Monthly cost starting at | Annual maximum (year 1) | Basic coinsurance | Major coinsurance |
|---|---|---|---|---|
| Preventive Plus PPO 1500 | $16.09 | $1,500 | 50% | 20% |
| Core PPO 1200 | $23.93 | $1,200 | 50% | 25% |
| Preferred PPO 3500 | $31.90 | $3,500 | 65% | 20% |
| Pinnacle PPO 5000 | $32.75 | $5,000 | 50% | 25% |
| Spirit Flex | $28.68 | $1,500 | 50% | 20% |
*Pricing shown is based on individual coverage for ZIP code 33801 in Florida. For most plans, coverage improves each year you keep the plan.
Coverage and restrictions: In addition to coverage of cleanings, Spirit covers dental implants and hearing health benefits, two rare features in dental insurance. The Preferred plan offers higher basic coverage (65% vs. 50%), and coverage also increases with each year you stay enrolled.
Waiting periods: There are none. Spirit offers immediate coverage for everything from cleanings to crowns.
Unique for seniors: The no-network-restriction policy means you can keep your favorite dentist even if they’re not in-network. To take advantage of Spirit’s lowest prices, you will need to select one of its +200 preferred providers — but you’re never locked in.
Our take: Spirit is perfect for older adults who value flexibility and don’t want to change dentists. The immediate coverage and implant benefits make it our top choice, but first-year benefits start lower than those of some competitors, such as Humana.
Pros
- No waiting periods for any treatmen
- Use any dentist anywhere
- Some plans offer implant and hearing benefits
- Coverage improves over time
- Hearing benefits on some plans
Cons
- Low first-year coverage limits
- Best savings require preferred providers
2. Humana Dental - Best Comprehensive Dental Coverage
What We Like Most:
- Coverage for root canals, oral surgery, and dentures
- Plans with no coverage limits
- No network restrictions
- Plans with no waiting periods
Overview
Humana makes it easy to find affordable dental care with its massive network of dentists. Some plans even have no annual limits, so you won’t hit a coverage ceiling if you need extensive work.
Humana Dental Insurance for Seniors*
| Plan | Monthly cost | Annual maximum | Basic coinsurance | Major coinsurance |
|---|---|---|---|---|
| Preventive Value | $22.99 | Unlimited | 50% | Not covered |
| Bright Plus | $25.99 | $1,250 | 40% | Not covered |
| Loyalty Plus | $41.99 | Starts at $1,000 | Starts at 60% | Starts at 80% |
| Complete Dental | $57.99 | Starts at $1,250 | 20% | 50% |
*Pricing shown is based on individual coverage for someone aged 65 years in Florida. For most plans, coverage improves each year you keep the plan.
Coverage and restrictions: All plans cover preventive care at 100%. The Preventive Value plan offers unlimited coverage for basic procedures, which is rare in dental insurance. The Loyalty Plus and Complete Dental plans improve significantly over time, dropping your costs from 60% to 30% for basic procedures over three years.
>> Read More: Humana Medicare Advantage Plans Review
Waiting periods: These will vary by plan. The Complete Dental plan requires 30 days for basic services and 12 months for major procedures. Loyalty Plus has no waiting periods at all.
Unique for seniors: Humana offers a veterans-specific plan (Bright Plus for Veterans) and has the largest dentist network at over 335,000 providers. Humana’s search tool filters for wheelchair accessibility and other senior needs. Some plans include up to $100 yearly for teeth whitening.
Our take: Humana excels for older adults who need extensive dental work thanks to unlimited coverage options and massive networks. The loyalty rewards are generous, but you’ll pay more up front and deal with complex plan structures.
To learn more about the provider, read our rundown of Humana dental plans for seniors.
Pros
- Unlimited coverage on some plans
- Huge dentist network
- Coverage improves over time
- Veteran-specific options
- Accessibility-focused provider search
Cons
- Higher costs for basic plans
- Complex plan structure
- Waiting periods on some plans
3. Aetna Dental - No-Cost Preventive Care
What We Like Most:
- Over 420,000 providers nationwide
- Free cleanings and checkups
- Easy online tools
- No waiting periods with prior coverage
Overview
Aetna keeps things simple with just two solid plan options. Both cover preventive care at 100%, and Aetna’s massive network makes finding a dentist easy.
Aetna Dental Insurance for Seniors*
| Plan | Monthly cost | Annual maximum | Basic coinsurance | Major coinsurance |
|---|---|---|---|---|
| Direct Preferred PPO | $51.16 | $1,250 | 20% | 50% |
| Direct Core PPO | $44.48 | $1,000 | 50% | 50% |
| Dental Direct DMO® | $21.56 | None | – | – |
*Pricing shown is based on individual coverage for ZIP code 33801 in Florida. For most plans, coverage improves each year you keep the plan.
Coverage and restrictions: All three Aetna plans cover preventive care at 100% in-network. Annual maximums are $1,250 in-network, $1,000 out-of-network. Aetna unfortunately doesn’t cover dental implants, cosmetic work, orthodontics, or general anesthesia, which are significant limitations for older adults who may need that type of work.
Waiting periods: If you’ve had dental insurance within 90 days, Aetna requires no waiting periods. Otherwise, you’ll wait one month for basic procedures and up to 12 months for major work such as crowns and root canals.
Unique for seniors: Aetna coordinates well with Medicare, since it’s a major health insurer. Its network has over 420,000 providers and includes specialists that older adults often need. The ClaimConnect system offers both online and phone support, recognizing different comfort levels with technology.
>>Read more: Aetna Medicare Advantage Review
Our take: Aetna works best for older adults transitioning from employer coverage who want simple, predictable plans. The huge network and Medicare coordination are valuable, but the lack of implant coverage and high out-of-network costs are drawbacks.
To learn more about the provider, read our rundown of Aetna dental insurance for seniors.
Pros
- Massive provider network
- Free preventive care in-network
- Medicare coordination expertise
- Simple two-plan structure
Cons
- High out-of-network costs
- No implant coverage
- Long waiting periods without prior coverage
4. Cigna Dental - Simple Claims Process
What We Like Most:
- Plans start around $19 per month
- Same coverage in- or out-of-network
- 24/7 customer service
- Brighter Score dentist ratings
Overview
Cigna offers the most affordable entry point for dental coverage, with basic plans starting under $20 per month. Unlike other insurers, you get the same coverage whether you go in-network or out-of-network.
>>>Learn About: The Best Dental and Vision Insurance for Seniors
Cigna Dental Insurance for Seniors*
| Plan | Monthly cost | Annual maximum | Basic coinsurance | Major coinsurance |
|---|---|---|---|---|
| Preventive** | $19.00 | None | Not covered | Not covered |
| Dental 1000 | $34.00 | $1,000 | 20% | 50% |
| Dental 1500 | $42.00 | $1,500 | 20% | 50% |
| 3000/100*** | $57.77 | $3,000 | 50% | 50% |
| Dental Vision Hearing 3500 | $62.65 | $2,500 | – | – |
*Pricing shown is based on individual coverage for age 65 in ZIP code 33801 in Florida.
**Sample monthly rates are based on a single person per month and represent the national average rates for each Cigna Healthcare plan (all ages and geographic locations) and reflect rates as of October 2025. Premiums vary by geographic area.
***Pricing shown is based on individual coverage for age 65 in ZIP code 19019 in Pennsylvania.
Coverage and restrictions: The Preventive plan covers only cleanings and checkups, not basic or major procedures. Higher-tier plans cover standard dental work, but exclude surgical implants, cosmetic procedures, and orthodontics. Standard restrictions apply for prescription drugs and general anesthesia.
Waiting periods: Most plans require six-month waits for basic procedures and 12 months for major work. Those can be waived if you’ve had continuous dental coverage for 12 or more months.
Unique for seniors: Cigna’s Brighter Score rates dentists on cost and patient satisfaction, which is helpful for older adults choosing new providers. The same in- and out-of-network coverage eliminates confusion about whether your longtime dentist is covered. They also offer dental, vision, and hearing bundles that are popular with older adults.
Our take: Cigna is perfect for budget-conscious older adults who mainly need preventive care or want to avoid network restrictions. The $19 Preventive plan is unbeatable for basic maintenance, but limited coverage and waiting periods are significant drawbacks.
To learn more about the provider, read our full rundown of Cigna dental insurance for seniors.
Pros
- Most affordable starting option ($19.00)
- Same in- and out-of-network coverage
- Dentist rating system
- Bundle options with vision and hearing
Cons
- Preventive plan is very limited and not available everywhere
- Waiting periods without prior coverage
- Lower annual maximums on basic plans
5. Delta Dental - Best Affordable Option
What We Like Most:
- Plans specifically for people 65 or older
- Monthly premiums under $20
- AARP partnership discounts
- Available nationwide
Overview
Delta Dental is America’s largest dental insurer, serving over 80 million people.2 Delta’s partnership with AARP means special senior-focused plans with rock-bottom prices, making them perfect for people with fixed incomes.
Delta Dental Insurance for Seniors*
| Plan | Monthly cost | Annual maximum | Basic coinsurance | Major coinsurance |
|---|---|---|---|---|
| PPO Basic | $23.10 | $1,000 | 50% (fillings and removals only) | Not covered |
| PPO Premium | $52.26 | $2,000 | 20% | 50% |
| DeltaCare® USA dental HMO-type** | $8.92 | Copay system | Fixed copays | Fixed copays |
*Pricing shown is based on individual coverage for age 65 in ZIP code 33801 in Florida.
**DeltaCare® USA dental HMO-type plan pricing will vary by state and only offers coverage in a limited network.
Coverage and restrictions: The Basic PPO covers only fillings for basic procedures, neglecting gum treatment and extractions. The Premium PPO offers full coverage, but it costs more. DeltaCare HMO uses fixed copays ($25 for fillings and $495 for dentures), but it requires choosing a primary dentist and paying up front annually.
Waiting periods: There are no waiting periods for preventive care on any plan. DeltaCare HMO has no waiting periods at all. PPO plans may have waiting periods for basic and major procedures.
Unique for seniors: These plans are exclusively for adults 65 or older, and they’re designed around senior needs and budgets. AARP members get additional discounts. Delta is the most widely accepted dental insurance nationwide, which is perfect for older adults who travel or relocate. Its network includes dentists experienced with disability accommodations.
Our take: Delta offers the most affordable senior-specific coverage, especially the $16.95 HMO option. The AARP partnership and nationwide acceptance are valuable, but the Basic PPO is very limited, and the HMO requires an annual payment.
Pros
- Rock-bottom prices for seniors
- AARP member discounts
- Nationwide acceptance
- Senior-specific plans (65 and up only)
- Disability-focused provider options
Cons
- Basic plan has very limited coverage
- HMO requires annual up-front payment
- Limited major coverage on basic plans
6. UnitedHealthcare Dental - No Waiting Periods
What We Like Most:
- Immediate coverage for everything
- Includes hearing aid benefits
- High annual maximums
- Optional vision coverage
Overview
UnitedHealthcare gets you covered immediately with no waiting periods for any treatments in most states. All plans also include hearing aid benefits, which is rare in dental insurance.
Pro Tip: If you’re looking for hearing aids, be sure to check out our guide to hearing aids, in addition to our rundown of the year’s best hearing aids.
UnitedHealthcare Dental Insurance for Seniors*
| Plan | Monthly cost | Annual maximum | Basic coinsurance (year 1) | Major coinsurance (year 1) |
|---|---|---|---|---|
| Gen Saver | $42.28 | $1,000 | 50% | 10% after deductible |
| Gen Basic | $53.01 | $1,500 | 50% | 10% |
| Gen Deluxe | $62.05 | $2,000 | 50% | 10% |
*Pricing shown is based on individual coverage for age 65 in ZIP code 33801 in Florida. For most plans, coverage improves each year you keep the plan.
Coverage and restrictions: All plans cover standard dental procedures, and coverage improves significantly over time (20% basic and 50% major by year three). The plans also include hearing aid benefits of up to $2,500 and optional vision coverage. Standard exclusions apply for cosmetic work and orthodontics.
>>>Learn About: UnitedHealthcare Medicare Advantage Plans
Waiting periods: There are no waiting periods in most states, offering immediate coverage for everything from cleanings to crowns. Connecticut and Illinois residents, however, face six-month waits for major procedures.
Unique for seniors: The hearing aid benefit recognizes that older adults often need both dental and hearing care. As a major Medicare provider, UnitedHealthcare coordinates well with Medicare benefits. In-network savings are substantial. Routine cleanings drop from $95 to $19, and root canals drop from $1,255 to $512.
Our take: UnitedHealthcare costs more up front, but it delivers immediate coverage and excellent long-term benefits. The hearing aid inclusion and Medicare expertise make it valuable for older adults, although the difficult-to-use dentist search tool and higher premiums are drawbacks.
Pros
- No waiting periods in most states
- Coverage improves yearly
- Hearing aid benefits included
- Substantial in-network savings
- Medicare coordination expertise
Cons
- Higher premiums overall
- Difficult-to-use dentist search tool
- Limited state availability
Why should seniors consider dental insurance? Only 64% of seniors visited a dentist in the past year, and that drops to just 56% for those without dental insurance.3 Poor oral health is linked to cardiovascular disease, yet Original Medicare covers almost no dental care.4
Dental Coverage for People on Medicare
The vast majority of older adults will enroll in Medicare upon turning 65, but Original Medicare offers no coverage for either routine dental care or procedures such as crowns, fillings, extractions, and root canals.4
Seniors have two main ways to get dental coverage:
- A stand-alone dental insurance policy
- A Medicare Advantage Plan with dental benefits.
In this one-minute video, our Managing Editor, Ryan Molloy, outlines the pros and cons of each approach.
What Are Dental Discount Cards?
Dental discount cards aren’t insurance; they’re more like membership clubs. You pay an annual fee to get discounted rates at participating dentists.
The cards can work if you can’t afford insurance and pay cash for everything, but remember that you still pay for all treatments, just at reduced rates. The dentist gets paid directly by you, not by insurance.
Think of it as a Costco membership for dental care — you pay to access wholesale prices.
Bottom Line
Good dental health protects your overall health and quality of life. The dental insurance market can feel overwhelming, but any coverage is better than none.
For most older adults, Spirit Dental offers the most flexibility with no waiting periods and no network restrictions. If you want the lowest monthly cost, United Healthcare offers dental plans starting at $11. For comprehensive coverage with no annual limits, Humana’s Preventive Value plan can’t be beat.
Our Methodology
Finding the right dental plan shouldn’t be as nerve-racking as going to the dentist. We evaluated plans based on what matters most to older adults.
Affordability: We looked for low premiums, deductibles, and copays. Expect to pay $11 to $70 a month, with an average of around $40.
Coverage limits: Older adults often need expensive work, such as dentures, crowns and implants. We prioritized plans with high annual maximums.
Network access: Large networks and nationwide availability matter, especially if you travel or move. Plans with no network restrictions earned extra points.
Waiting periods: Most insurers make you wait months for major procedures. We favored plans that get you covered immediately.
Frequently Asked Questions
-
Does AARP have dental insurance?
AARP partners with Delta Dental to offer discounted plans for members, including a basic plan for $24.95 per month and an HMO option for $16.95.
-
Is dental insurance worth it for seniors?
Absolutely. Since Medicare covers almost no dental care, older adults need separate dental coverage. The alternative — paying full price for crowns, root canals, and dentures — can cost thousands.
-
Should I pay out of pocket instead?
Dental insurance makes sense if you use it. Young people with healthy teeth may pay cash, but older adults typically need more expensive procedures that justify insurance costs.
-
Do seniors get free dental care?
There’s no national program for free senior dental care. Some dental schools and local organizations offer discounted services, but most dental care requires payment or insurance.
-
At what age is dental care free?
There’s no age at which dental care becomes free nationwide. Medicare doesn’t cover dental, regardless of age.
