Best Supplemental Dental Insurance for Seniors: Top 5 Plans

Good dental care is essential for everyone, but as we get older, it becomes even more important. Many seniors face dental problems such as cavities, gum disease, and tooth loss. Unfortunately, Medicare doesn’t cover routine dental care, which is why finding the best dental insurance for seniors is crucial. If you already have a plan but need extra coverage, supplemental dental insurance can help fill the gaps.

In this guide, we’ll cover everything you need to know about choosing the best supplemental dental insurance for seniors in 2025. We’ll also review five of the top plans available today.

Why Do Seniors Need Supplemental Dental Insurance?

Many seniors assume that Medicare covers their dental needs, but that’s not the case. Medicare Part A only covers dental procedures if they’re done in a hospital. This means that routine checkups, cleanings, fillings, dentures, and extractions are not covered. That’s where supplemental dental insurance comes in—it helps cover these necessary treatments.

Without insurance, dental care can be expensive. Here’s what some common procedures can cost:

Routine checkup and cleaning: $100-$300
Cavity filling: $150-$450
Root canal: $800-$1,500
Dentures: $1,000-$5,000

A good supplemental dental insurance plan can save seniors thousands of dollars each year.

Top 5 Best Supplemental Dental Insurance Plans for Seniors

Here are five of the best dental insurance for seniors options in 2025. We chose these plans based on affordability, coverage, and ease of use.

1. Aetna Dental Direct

✅ Covers preventive, basic, and major dental work
✅ No waiting period for preventive care
✅ Affordable monthly premiums

Aetna’s supplemental dental insurance plans are great for seniors looking for comprehensive coverage at a reasonable price.

2. Delta Dental PPO Plus Premier

✅ Large network of dentists nationwide
✅ Covers implants and dentures
✅ Offers a wide range of plan options

Delta Dental is one of the most trusted names in dental insurance, making it a great choice for seniors.

3. Cigna Dental 1500

✅ High annual coverage limit
✅ Covers braces for adults
✅ No deductible for preventive services

Cigna’s best dental insurance for seniors plans provide generous coverage for major dental procedures.

4. MetLife Dental PPO

✅ Covers major procedures like crowns and bridges
✅ No referrals required for specialists
✅ Discounted rates for seniors

MetLife is a solid option for seniors who need flexibility and a large network of dentists.

5. Humana Dental Loyalty Plus

✅ No waiting periods for preventive and basic care
✅ Covers teeth whitening and cosmetic procedures
✅ Premiums decrease over time

Humana’s supplemental dental insurance is perfect for seniors looking for long-term savings and benefits.

How to Choose the Best Dental Insurance for Seniors

Not all supplemental dental insurance plans are the same. Here are some things to consider before picking a plan:

1. Coverage Options

Look for plans that cover preventive, basic, and major dental work. Some plans even cover dentures and implants.

2. Waiting Periods

Some insurance plans require you to wait months before certain procedures are covered. Choose a plan with short or no waiting periods.

3. Monthly Premiums vs. Out-of-Pocket Costs

A lower monthly premium may seem attractive, but if the plan has high out-of-pocket costs, it may not be the best deal.

4. Network of Dentists

Make sure your preferred dentist is in the insurance provider’s network. If you have a dentist you trust, check whether they accept the plan you’re considering.

5. Customer Reviews

Check online reviews to see what other seniors are saying about their experience with different dental plans.

How to Apply for Supplemental Dental Insurance

Applying for supplemental dental insurance is easy. Here’s how you can get started:

Research and Compare Plans – Use online comparison tools to find the best plan for your needs.
Check Coverage Details – Read the fine print to ensure the plan covers the procedures you need.
Get a Quote – Visit the insurance provider’s website or call for a personalized quote.
Enroll Online or by Phone – Most insurance companies allow you to enroll online in just a few minutes.
Start Using Your Benefits – Once enrolled, schedule an appointment with your dentist and start using your new coverage.

Final Thoughts

Finding the best dental insurance for seniors doesn’t have to be stressful. By choosing the right supplemental dental insurance, you can protect your smile and your wallet. Whether you need coverage for routine checkups, dentures, or major procedures, the options listed above offer some of the best choices available in 2025.

Start comparing plans today to find the one that works best for you!