Some coverage is better than none
Proper oral and dental hygiene is ingrained in our minds as kids. Make sure you floss every day. Brush your teeth for at least a minute after every meal. Avoid sugary snacks and soda. How many of us keep up with these habits as we get older? When’s the last time you went to a dentist for a routine cleaning? It’s easy to miss appointments or skimp on flossing as an adult, but as we get older these habits can help us keep our teeth longer and even live longer.
The benefits of dental health don’t stop with bad breath prevention or curbing tooth and gum decay. A healthy mouth also reduces your risk for cardiovascular disease. Oral inflammation has been shown to play a role in blood clots and clogged arteries. More severe tooth or gum infections can lead to atherosclerotic plaques which increase the likelihood of heart attack and stroke.
Seniors over 65 have unique dental health needs, however dental is not included in Original Medicare or Medicare supplement plans. These folks still have options. Several Medicare Advantage plans offer dental benefits usually limited to cleanings and exams. Stand-alone plans can offer more comprehensive coverage for extensive dental procedures like crowns and fillings.
For agents selling senior health insurance policies, we highly recommend having a few ancillary product carriers in your portfolio—especially those with dental insurance options. Be sure to espouse the benefits not just for oral health but for overall wellbeing. Fortunately, AmeriLife Marketing Group has partnered with a few premier ancillary product carriers. Ameritas devotes a large part of their business to providing excellent dental coverage for seniors.
Let’s take a look at the PrimeStar Advantage Plus plans from Ameritas. For starters, there are no waiting periods. It’s common to see a waiting period of 6 months to a year after initiating coverage before customers can claim benefits. Not so with Advantage Plus. From day one, policyholders are covered for exams, cleanings, and bitewing x-rays. They are also eligible for a 50 percent discount for fillings and simple extractions (80 percent after year one). For major procedures like implants and oral surgery, policyholders receive 15 percent off on day one and 50 percent off after year one. Additionally, there are no enrollment fees and the calendar year deductible is only $50.
There are many great attributes to discuss, but let’s take it back to the original question. When’s the last time you went to a dentist for a routine cleaning? An agent should ask their client the same thing. If they’ve been avoiding seeing the dentist due to expected costs, you can provide them immediate help at affordable prices. Just don’t skimp on asking the question like you do flossing…