🤔 Best Dental for Seniors on Medicare -Worth Buying or Pay Cash? 

What do you think? Buy insurance or pay cash? What do you have?

Love these two. They make sense and provide great information. It was well worth calling them.

Another excellent video. You two provide a lot of good info in a short period of time.

I looked at dental plans upon retirement but found that my dentist offered a fixed-pay plan that covered all normal preventative care including X-rays and fluoride treatments and a discounted rate for all other procedures. So far it has been cost effective even though my wife needed a crown this year. We provided the plan details to our Medicare insurance provider and he thought it was reasonable coverage for the price. We are not on a Medicare Advantage plan and are pleased with our HDG supplement.

I have a National plan that covers dental, vision and hearing for $57 per month and I can see any provider I want. There is also a $100 per year deductible. But, although this sounds like a good plan, I am not happy with it. You should have pointed out that this is one of the biggest drawbacks of insurance plans. You pay all this money, but even though you have dollars available to you for coverage, you will find out that the insurance company will not let you use it except for very basic things, like preventive care, exams, or the cheapest types of treatments. They will not allow you to use the money if you want the better quality services, even if they are routinely considered an industry standard of care. The insurance company will just say they don’t cover it and consider it an add on. The bottom line is that the insurance companies refuse to allow you to use the money for the service you may need, even though you have the dollars available.

I spoke to Kai yesterday and I'm looking forward to my appointment today.

NIce Video Kai!

I have a preventative plan only for $16/month that covers two cleanings and exams per year plus bitewing x-rays once per year and full mouth xrays once every 5 years. The annual total, $160/year is what I pay on average for one visit, so I'm saving about half. Any other services I'll pay cash for the reasons you mentioned; many years are only cleanings so I'm "pocketing" any extra $$ i would have paid for a higher monthly amount.

Nice video, you should make more of these side videos.

You could have just scrolled the states with availability on the screen. Why do you want us to call you just to see if it's available in my state? Sorry. Maybe I'm just skeptical of infomercials and don't trust sales people. The puppy was a nice touch though.😊

I haven’t been to the dentist for 5 years because I was afraid of the cost and hassle. Maybe it’s time to change that 😂

thank you

imagine having to buy separate insurance for your heart, or liver, or toes. That's what dental, vision and hearing are. Teeth, eyes and ears are part of a human body. It should all be considered health care.

Hi Ann, Kai and Retirement Specialist Gracie, I subscribed because your content is excellent and the way you present it makes it easy to understand. I plan on contacting you this week. Do you know if either of the 2 best dental plans are available in New Jersey and if they are what is the price range? Thank you.

Have you ever heard of a NO CAP dental plan?

Are the 2 plans ( 2,000 Cap & No Cap )you mention available in Connecticut?

Root canal and crowns often fail. Implants are more permanent but often never covered. Better to pay cash.

Wish I had seen this before I signed up for my worthless PPO insurance. I did the math and came to the same conclusions. $600 yearly for $1,000 max benefits and a 1-year waiting period. That's a joke so I'm going to cancel it as soon as I can. I think for me cash is king but, I have had numerous root canals and crowns over the years so maybe I'll explore the plan you talk about.

Good video guys-- I've had a LOT of dental work done in my working years, but also had great dental insurance. No insurance since retirement in 2015, but my dentist has her own plan. $150 a year gets you 2 x-rays, 2 cleanings and 10% off all dental work. 🙂

Dentists and Veterinarians care about $ more than the patients

You're speaking about Ameritas and Physician Mutual :-) Good job!

I'm still on my COBRA dental plan but after this year I will need to find a plan or pay cash.

Physician's Mutual dental insurance is not available in Massachusetts since 1/1/24.

At my age, most work is implants, which few insurance plans cover at all.

I'm not sure if my new 2024 Dental Plan will work. I'm 53 & been on SSI/DI for over 20yrs & since I qualify for "Extra Help," Cigna HMO said they would hook me up with $20k a year no waiting period available in 2024. I don't pay out of pocket for this Advantage Plan. They actually pay me back $175 a month to my current SSI/DI payment. The coverage does include my current doctors that I already see. Supposedly, I'm not supposed to pay for extractions, x-rays, etc. I need full mouth restoration here around the Houston area. I'm just waiting until after the New Year to locate a place to do my 21 extractions & get new teeth, hybrids, implants or whatever.

The cost of insurance goes up every year, but odly the $1500 max benefits have never changed. What’s wrong with this picture?

Great info, but honestly, the flickering of the video in and out drove me crazy. Thanks

Siempre los veo pero es muy difícil entender cual elegir Me podrían ayudar

Hygiene is NEEDED

Is your top recommended plan available in Louisiana? Considering other wise Mutual of Omaha with $5K cap.

I went 15 years with cleaning every six months. Never needed anything else. Went through divorce, lost all insurance and moved. New dentist said all silver needs to come out and replaced with updated materials. First crown 2000.00. 😲😳🙄 crazy . Doing one at a time

I notice that you did not mention dentures and orthodontia coverage. No implants for me either. I don't want any metal screwed into the bones in my mouth.

Unfortunately if you have a significant dental expense these plans don’t really help. (I’ve been diagnosed with TMJ/TMD and it’s very expensive to treat).

PLEASE HELP with dental insurance for seniors in Utah because I couldn’t find anything that covered a $6,500 implant surgery and had to resort to a 50% off discount plan, but now to complete the job it will cost another $6500 for the crown, bridge and replacement teeth! I’m 83, on a fixed income, is there ANYTHING better than Cigna Plus? Please help?

I had denture in india but not set bank has no give money for implant

I’m turning 65 next month but I don’t know if I can continue my PPO from my job or if it ll be better to switch to Medicare now I’m planning to work for 2 more years which offer a very expensive and unhealthy PPO Please advise

Descent video but still way off. Yeah 2k is what you should go for. For insurance I look at do they allow duel coverage and how does coordination of benefits looks like. Do they combine it or do they not double the benefits i.e. do not pay any more than the cap form the primary. What I typically do if I need work done is I go get another insurance and double them, have the waiting period waived, and pay next to nothing. I got major work done on me the other day and only had to pay the deductible of the insurances which is great value... I know how to play the game. You still need to carry one because you need it for the reason for the other to waive the waiting period. That is needed because I can not think of one that let me just slide into the 1 to 3 year bracket. All of them told me that I had to start form the beginning even if I had insurance in the past 30 days. And 10-20% on major doesn't cut it for me. That is merely one to two hundred dollars for ever 1k and taking into account that the premium 50 dollars per month unless you can get all the work done you need in the same month it's really not worth it. Off topic but lets say you get into trauma and you lose a tooth, you still need an implant... that is the reason why to at least keep one at all times and the sad truth is like all of them minus one which is Delta in Ohio and have to be in Ohio have that clause and if I recalled it's only 50 percent. I can not literally think of one that doesn't now granted some might include after so many years than the will cover it but that is still extremely uncommon. So yeah you would pay for an bridge or an implant out of pocket and for only one dental insurance they pay for the cleanings and so to have the cleanings and exams for me it would cost around 200 to 300 per visit and I pay for my primary 2k plan 528 per year which is the metlife take along. I really like metlife because I do not really have to fight with them but that is probably due to unique reasons and their take along plan is like the cheapest for me. Now this is for my home state MO, If you do not want another insurance then the best PPO would be TruAssure if you have to do the waiting period irregardless. 5k max and coverage takes 3 years to fully kick in however they do not allow for duel enrollment and refused ought wight to wave it. They also have an ACA plan but that is only 2k but the waiting period is only 6 months. If you only want one insurance then it has to be this one however they have a lifetime cap on implants of 1k. Spirit is also good but again the draw back is that they do not allow for duel enrollment. They have an plan which is 70 dollars per month but the limit is 5k and the major is 25% on day 1. So if you need alot of work and do not have insurance. That is probably what you should go with. Than after you run out out go with Ameritas Primestar Total if you have to run that out otherwise go with Anthem essential choice ppo incentive as the final. One of my favorites is the Anthem essential choice ppo incentive 2.5k for 50 dollars per month which is one of the highest coverage. Root canal treatment plus crown 60% day 1 which is higher than Sprit which is 50%. Remember when you go get an root canal treatment you need an artificial crown. And what's makes it special is that they allow for duel enrollment ;) without an waiting period which is great. I would get this for the first insurance hands down. Another interesting one is Ameritas but overall I have never found an use for them. 2.5k for 50 dollars per month 20% on major day 1, year 1 50%. However the draw back is I believe do not quote me they do not allow for duel enrollment which is a deal break for me and secondly due to them not have an waiting period I can not have it waive. So for me it's worthless. Now if I am wrong on duel enrollment then it might be nice for your first insurance. Anthem, Delta, and Met life I know all waive the waiting period if you had insurance for the past 12 months and just tell them you would simply like to switch but never cancel the other. I do not like the Physicians Mutual one without an limit. I find them to be a really bad value for the money once you read the fine print. There is asnother interesting one that has an limit of 6k but I forgot what that one which and it wasn't in my state so... If you need work done and if you have one dental insurance. Get another or depending on how much work you need get 2 then pay next to nothing. Run them up to the max then cancel them. For example, if you need 10k in work. See if you can get an duplicate policy sometimes they will give to you, sometimes they will not. I just played as a stupid teenager that wanted to blow his money insurance to be cool. Then pay a few hundred for like few month and get your work done. I for example, have a standalone dental insurance which is my primary, then I have one though my union at work which is my secondary but it has an limit of 20k per year. Not the thing is I keep both because they might find something to not to cover if they say well because it started before the insurance or more importantly if I lose my job for the shake of it. But just by having two insurance which pay around 65 per month in total I get basically everything for free because they allow for combining of benefits though duel enrollment and when I run out of the max on my standalone then I pick up another. Right now I have 3 insurances ;) Simply because I Needed a tooth to be removed and that will max out my first one so.... I will save like 200 dollars overall once it's all over with. Everything what I said is what I learnt while being broke while having an bad month and being smart enough to play their system. I am in my early twenties and I was abused as a child and I was discourage to brush my teeth because 'everyone wanted some of the tooth paste' and like they either throw it away or took away the brush. And I being a 13 year old didn't realize you could still brush your teeth without it and I didn't realized what would happen as a result. I knew that tooth decay but mine looked fine and so I thought it took alot more than it actually did. 3 months without brushing give me cavities in almost all of my back teeth. I just given up on trying and I thought it was much harder to get decay than it was. The cherry ontop is I had to live with abbess teeth for years until I got out that place.

No link to the plans??

3 month waiting period for a filling!?! That's absurd! Do you know how much a tooth can have further decay in that amount of time and then you need a crown? I'll be brushing and flossing every chance I get

Dental Save

I wish you listed the two insurance companies, this wasn’t very helpful ☹️

My best dental plan is to eat xylitol gums after each meal per Dr. Ellie Phillips dental hygiene protocol.

infomercial for insurance broker.

Madam i am young i have not take teeth i am indian i am poor my age 30 i am problem teeth india in not good dentist india in froud dentist

Just about all dentists in north Florida DO NOT accept dental insurance of any type. All are demanding payment in cash.

You just gave me no helpful information!!