Elderly couple smiling while reviewing dental insurance documents at home.

Best Dental Policies for Seniors in 2024

As we age, maintaining good oral health becomes increasingly important, but it can also become more challenging and expensive. That’s why finding the best dental insurance policy is crucial for seniors. In 2024, several dental insurance plans cater specifically to the needs of older adults, offering comprehensive coverage and affordable premiums. Let’s dive into some of the top options available this year so you can make an informed decision for your dental health.

Understanding Dental Needs for Seniors

Before we explore the best dental policies for seniors in 2024, it’s essential to understand the unique dental needs that come with aging. Seniors often face issues such as gum disease, tooth decay, dry mouth, and tooth loss. Additionally, many seniors may require dentures, implants, or other restorative procedures. Therefore, an excellent dental policy for seniors should offer extensive coverage for preventive care, basic procedures, and primary treatments.

What to Look for in a Dental Policy for Seniors

When evaluating dental policies, consider the following factors:

  1. Coverage Options: Ensure the policy covers a wide range of services, including cleanings, exams, X-rays, fillings, crowns, bridges, dentures, and implants.
  2. Network of Dentists: Check if the insurance plan has an extensive network of dentists, including specialists.
  3. Costs: Compare premiums, deductibles, copayments, and annual maximums to find an affordable plan.
  4. Waiting Periods: Some policies have waiting periods for specific procedures. Look for plans with minimal or no waiting periods.
  5. Customer Reviews: Research customer satisfaction ratings and reviews to gauge the reliability and service quality of the insurance provider.

Top Dental Policies for Seniors in 2024

1. AARP® Dental Insurance by Delta Dental

Overview: AARP offers dental insurance through Delta Dental, which is tailored specifically for seniors. It provides extensive coverage for preventive, essential, and significant services.


  • Coverage: Includes cleanings, exams, X-rays, fillings, root canals, crowns, bridges, dentures, and implants.
  • Network: Access to a vast network of dentists nationwide.
  • Costs: Competitive premiums with various plan options to fit different budgets.
  • Waiting Periods: Some plans have no waiting periods for preventive care.

Why Choose AARP Dental Insurance? AARP’s partnership with Delta Dental ensures seniors receive high-quality care with flexible plan options. The extensive network and comprehensive coverage make it a top choice for many seniors.

2. Cigna Dental 1500

Overview: Cigna’s Dental 1500 plan is another excellent option for seniors, offering robust coverage and added benefits.


  • Coverage: Comprehensive coverage for preventive care, basic procedures, and significant services, including orthodontics.
  • Network: Wide network of over 93,000 dentists and specialists.
  • Costs: Reasonable premiums and a $1,500 annual maximum benefit.
  • Waiting Periods: No waiting periods for preventive care and minimal waiting for other services.

Why Choose Cigna Dental 1500? Cigna Dental 1500 stands out for its high annual maximum benefit and extensive network, ensuring seniors have access to necessary dental care without excessive out-of-pocket expenses.

3. Humana Dental Loyalty Plus

Overview: Humana’s Dental Loyalty Plus plan is designed with seniors in mind, offering increasing benefits over time.


  • Coverage: Includes exams, cleanings, X-rays, fillings, crowns, and dentures.
  • Network: Large network of dentists and specialists.
  • Costs: Premiums remain stable, and benefits increase the longer you stay on the plan.
  • Waiting Periods: No waiting periods for preventive care and reducing waiting periods for other services over time.

Why Choose Humana Dental Loyalty Plus? Humana’s plan rewards loyalty, making it ideal for seniors looking for long-term dental care coverage. The increasing benefits and stable premiums offer excellent value.

4. UnitedHealthcare Dental Premier

Overview: UnitedHealthcare’s Dental Premier plan provides extensive coverage and flexible options for seniors.


  • Coverage: Comprehensive coverage, including preventive, primary, and significant services.
  • Network: Access to an extensive network of dental professionals.
  • Costs: Varied plans to suit different budgets with competitive premiums.
  • Waiting Periods: Minimal waiting periods for most services.

Why Choose UnitedHealthcare Dental Premier? UnitedHealthcare’s Dental Premier plan offers flexibility and comprehensive coverage, making it a strong contender for seniors seeking reliable dental insurance.

Elderly couple smiling while reviewing dental insurance documents at home.
Choosing the Best Dental Policies for Seniors in 2024

Tips for Choosing the Right Dental Policies for Seniors in 2024

  1. Assess Your Needs: Determine what dental services you are likely to need based on your dental history and current oral health.
  2. Compare Plans: Look at multiple insurance plans and compare their coverage, costs, and network of providers.
  3. Read the Fine Print: Understand the details of each policy, including exclusions, waiting periods, and annual maximums.
  4. Check for Discounts: Some plans offer discounts for seniors or for bundling with other types of insurance.
  5. Seek Professional Advice: Consult with a dental insurance advisor or your dentist to get recommendations tailored to your needs.


Choosing the best dental policy for seniors in 2024 requires careful consideration of coverage options, costs, and the network of providers. AARP Dental Insurance by Delta Dental, Cigna Dental 1500, Humana Dental Loyalty Plus, and UnitedHealthcare Dental Premier are all excellent choices that offer comprehensive coverage and affordability. By assessing your dental needs and comparing these top plans, you can find the right policy to ensure your oral health is well-maintained as you age.

Remember, good dental care is a crucial component of overall health, so investing in a suitable dental insurance plan is a wise decision for any senior.

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