Kaiser Permanente is a large, managed care provider. Kaiser dental insurance plans for seniors can be a valuable investment, depending on where you live and what your specific needs are. Kaiser is a parent company representing a number of regional insurance providers. Depending on where you live, you can choose from several health and dental insurance plans that can fit senior needs.
The company continues to change and grow. As of 2017, it is operational across eight states under a number of different names and affiliations. Currently, its services are available in Hawaii, Colorado, Maryland, Washington, Oregon, California, Virginia, and Georgia. It is also available in the District of Columbia. As a result, the organization, as a whole, is the largest managed care provider in the country.
How Can Seniors Secure a Dental Insurance Plan for Kaiser?
Seniors can purchase dental insurance from Kaiser through one of the company’s individual plans. The company offers individual dental insurance plans to adults (as well as children). It does not offer a specific plan for seniors, but seniors do qualify for the adult plans.
The company’s individual dental insurance plan is called Teethkeepers, a triple-choice dental program. This type of policy offers dental benefits to consumers on a direct-pay basis. Anyone can enroll in this program. It is not an actual insurance policy, but a discount opportunity for those who enroll. It is ideal for seniors who want good benefits at a low cost to get it. There are three options for consumers to select from through the Teethkeepers plan. They include the following:
Choice Pro Plus: This particular option – which is available only in some areas – provides a moderate price point for coverage starting at $15.29 per month (again, in some areas). This policy offers no waiting periods to get coverage and to get into the dentist. In addition to this, there is a $750 annual maximum with this option. This plan allows seniors to use any dentist they desire.
Choice PPO Basic: This plan is much like the Pro Plus plan, but it is also a bit more expensive at $19.79 per month. It offers the flexibility to use any dentist. In addition, there are no waiting periods for beginning to use it. The difference here is that there is a $1,000 annual maximum for this plan.
Choice PPO Premium: Some Kaiser locations also offer a higher level of coverage – at $25.21 per month for some areas. It offers coverage for most major services that consumers need, though it does not pay outright for dentures. This plan offers a $1500 annual maximum payout.
Another way to secure Kaiser dental insurance for seniors is through the company’s Medicare-related coverage. Kaiser Permanente Senior Advantage HMO plans can include dental coverage. It can help with costs related to dentures as well as things like hearing aids and glasses. Advantage Plus plans differ from one area to the next, and it can be hard to provide pricing for them since they are so varied by location.
For example, in Oregon, Kaiser Permanente’s Advantage Plus plan provides help for dental, hearing aids, and eyewear. This policy, which is an HMO plan, can help individuals with personal dental care at one of the approved Kaiser Permanente dental offices. This policy, designed for seniors, is $44 per month in addition to other Medicare-related coverage you may have.
By comparison, in Northern California, seniors can secure the same type of Medicare Advantage Plus plan through Kaiser for about $20 per month. In this area, this HMO plan will provide coverage that includes dental, hearing, and extra vision care, along with the organization’s Silver&Fit fitness program.
Costs for any of these plans will differ significantly from one area to the next. It is very important to request a free, customized quote based on where you live right down to the region. Don’t assume basic pricing online is accurate to your needs.
Since traditional Medicare does not cover dental services, purchasing an Advantage Plus plan is often beneficial for many seniors. It can help to provide coverage for most dental needs you have. Not all Medicare Advantage Plus plans offer denture coverage either. It is up to the individual to compare their options across all plans, including Kaiser options, to determine which can offer the most protection available.
Comparing Senior Dental Insurance Options
As a senior who needs dental insurance, Kaiser’s routine dental insurance policies, available through each of the individual Kaiser provides, can be a good route to take. However, each policy is unique and needs to be carefully considered. Here are a few key points to keep in mind.
- Most policies offer preventative coverage within the package, some of which do not charge extra for this coverage as long as you use in-network providers for your care.
- Restorative services, which can include dentures, is available in some policies, but not all of them. This will add to the monthly cost but can be well worth the investment for most seniors who need to have work done, such as implants, dentures, or bridges.
- Orthodontic care, which is something most seniors are unlikely to need, is an additional charge on top of these costs, through most Kaiser plans. The amount of coverage determines the actual cost.
- Deductibles are common with most plans. This differs widely from area to area, though.
- You also want to consider the top-out amount – or the highest amount of coverage they will pay per year for the dental care you need.
Like most people, seniors need to have healthy teeth. That means seeking out a dental care plan that fits your needs. Any of these options can work, depending on your needs and your budget. However, the costs of Kaiser dental insurance plans for seniors range widely by region and plan type. Always ask for a comprehensive quote to see just what is included when obtaining a policy. Kaiser can be a quality dental insurance provider when the right type of plan is selected for the patient’s needs.