Best Dental Plans for Seniors in 2022

Our experts have researched 14 dental plans and recommend 10 of the best options for seniors. is compensated when you click on the provider links listed on this page. This compensation does not impact our ratings or reviews.

Best Overall
Best Coverage
Best Loyalty Program
Scroll right for more options

Top 10 Highest Ranked Senior Dental Plans for 2022

There’s no age limit for wanting to have a beautiful smile, and seniors often have special dental needs. Moreover, people over the age of 60 are typically at increased risk of oral problems such as cavities, gum disease, and oral cancers. Unfortunately, many seniors face coming off of company health coverage when they retire, and most Medicare sponsored plans offer minimal or no dental coverage. This can leave a majority of aging individuals in need of a dental insurance plan at an affordable cost. To ease the search, we have put together a list of the top dental companies based on their availability, the number of in-network providers, coverage options, and cost. Here is our updated listing of the top 10 senior dental plans for 2022.

How We Chose Our Top List

Shopping for a quality dental plan? Our top-10 list covers everything you need to know. We researched the best dental insurance plans for seniors, looking at premiums, benefits and discounts, convenience, wait periods, account portals, and more. Don’t go another day without the perfect dental plan in place, especially if you’re a retiring senior.

Plans considered
Experts consulted
Plans selected
Hours of research

Why Is Dental Insurance Important for Seniors?

Taking care of our oral health becomes more important as we age. Seniors have special needs, such as dealing with gum disease, root decay, broken or lost teeth, and even arthritic conditions that can lead to dental problems. Retiring seniors, especially, need to begin looking for a plan to avoid costly coverage gaps, since Medicare doesn’t offer dental coverage.

Most dental insurance companies offer an array of plans, ranging from basic preventive-only coverage and discount savings plans to comprehensive traditional packages and “gold-level” plans. Except for dental discount plans, most programs have at least a six-month waiting period for coverage to kick in, especially for major dental work. That makes finding a new policy before losing any current coverage essential for older adults.

How Much Is Senior Dental Insurance?

Stand-alone dental insurance plans can range anywhere from $30 per month to over $100 monthly for individual plans, and family programs average triple those estimates depending on coverage levels. Deductibles typically average between $50 and $150 per year, but some plans offer a one-time deductible for premium policies. The most affordable option for people seeking temporary or low-cost care is to invest between $75 and $150 in a dental insurance discount program that offers enrollees substantial discounts on all services within days of signing up. Costs vary for different types of coverage by state, age, the number of enrollees, and your selected plan.

Senior Dental Plans and Dentures

Dentures are often covered under dental insurance plans and dental savings or discount programs. Under most traditional dental insurance programs, however, members will have to wait a year or more to qualify for denture-related services. The good news is that most dental discount plans offer some level of denture coverage within days of enrollment for a small annual enrollment fee. It’s important to check each plan carefully to see if there is a pre-existing condition clause that prohibits dentures and repairs unless the teeth are lost or broken during a period of coverage under the policy.

Written By

Jeff Hoyt

Editor in Chief

Since graduating from Harvard with an honors degree in Statistics, Jeff has been creating content in print, online, and on television. Much of his work has been dedicated to informing seniors on how to live better lives. As Editor-in-Chief of the personal… Learn More About Jeff Hoyt