As we grow older, maintaining our dental health becomes increasingly important. Selecting the right dental insurance for seniors is essential to ensure access to necessary care while managing costs. AMBA is here to help with five key points to consider when exploring your options:
1) Prioritize Major Restorative Coverage
The potential need for major restorative services becomes increasingly likely as we age. Procedures such as crowns, bridges, root canals, and dental implants can be costly without adequate insurance. That’s why coverage for major restorative procedures should be a priority for older Americans. Look for a dental plan that provides substantial coverage for these essential treatments, ensuring you won’t face overwhelming out-of-pocket expenses when you need it most.
2) Strong Preventive Care Benefits
While restorative care is crucial, preventive care is just as significant. Regular dental check-ups can help catch potential issues before they worsen. Make sure the plan you choose covers routine cleanings, exams, and x-rays with minimal out-of-pocket costs. Good preventive care can help you maintain your oral health without the added financial strain!
3) Access to a Network of Local Dentists
Accessibility is key when it comes to dental care. Choose a plan with a broad network of dentists in your area. A diverse network increases your options and allows you to find a dentist who fits your needs, making it easier to schedule appointments and receive care when necessary.
Even better is finding a plan that allows you to see any dentist you choose, whether in or out of network. This gives you the flexibility to keep working with a dentist you already know and trust or to visit one highly recommended by friends or family.
4) Consider Waiting Periods
Some dental plans have waiting periods for specific services, which can postpone crucial treatments. Choose a plan that offers minimal or no waiting periods for necessary procedures. A dental plan with no waiting period can significantly improve your access to immediate care and coverage.
Many people who sign up for a dental plan with a waiting period (which can last for several months and, sometimes, even an entire year) delay taking care of dental issues until their coverage begins. This can backfire and result in the issue becoming worse. A dental plan with no waiting period makes it easier (and less expensive!) to catch and treat minor problems early and lower the chances of extensive and costly dental work down the road!
5) Rollover Benefits
Ever feel like you should be rewarded if you don’t use your entire dental insurance maximum? With some dental plans, you can be! Dental rollover benefits allow you to save unused dental benefits for future use. If you don’t use all your dental benefits in a calendar year, rollover benefits let you keep a portion of your unused benefit dollars for use in the future. This can help you increase your plan value, save for future procedures, and cover more expensive dental needs in the years ahead.
AMBA and your association understand the importance of dental health for the overall well-being of seniors. That’s why the Dental Plans from AMBA and your association can offer many advantages*, including:
- Low deductibles and high maximums!
- Strong preventive care benefits, including coverage for checkups, X-rays, cleanings, and more.
- Coverage for fillings, crowns, implants, root canals, and more.
- NO WAITING PERIOD on covered services – get access right away!
- Access to any dentist you want: See any dentist you want, in or out of network, with bigger savings by seeing one of the thousands of in-network providers!
- Many of the dental plans offered through AMBA offer Dental Rewards! These plans offer incentives to increase the annual maximum when using the plan. Check your association’s plan for details.
In addition to all of these amazing advantages, the Dental Plans from AMBA and your association offer GUARANTEED ACCEPTANCE! So what are you waiting for? Visit or call 866-979-0497 and sign up today!
*Not all plans offer the same benefits. Visit AMBAdentalvision.com and check the dental plan available through your association for details.