As a veteran, you are entitled to insurance that will assist you in keeping your teeth and gums in good condition. While it may not be simple at first to select the appropriate plan, keep in mind that you have at least a few alternatives to pick from.
Once you are aware of your options, you can decide on a course of action that will allow you to afford dental treatment, from minor repairs to significant procedures.
Without a single day of waiting, patients with no-waiting-period dental plans can receive coverage for preventive, fundamental, and major services—and occasionally even orthodontics. These plans are perfect for retired military families who delay dental treatment due to expenses or require a significant dental operation.
In the article, we examine several insurance providers who offer dental coverage to veterans and provide advice on obtaining the coverage you want without having to spend a fortune.
Types of Dental Coverage
You can qualify for affordable dental insurance as a retired service member through the Federal Employees Dental and Vision Insurance Program (FEDVIP). You have more options for dental insurance than you had under the now-defunct TRICARE Retiree Dental Program (TRDP).
Private businesses support FEDVIP dental insurance coverage, frequently providing PPO and DHMO coverage. Let’s look at the distinctions;
- Dental health maintenance organizations (DHMOs): DHMOs offer a pre-established network of dentists that will take your insurance. Your insurance company provides a list of network dentists that accept your insurance when you enroll in a DHMO plan.
You must see one of the dentists in your network if you require dental treatment or other services; otherwise, you won’t be able to use your perks. Although service regions for DHMOs might be relatively small, they are often the most economical dental insurance choices you will discover.
- Preferred provider organizations (PPOs): If you have a PPO plan, you can select to see any dentist you’d like; however, you’ll nearly permanently save money by going to an in-network dentist.
Compared to DHMO plans, PPO plans are often more expensive, but the extra cost can be justified if you currently have a dentist you like.
Finding a Dental Insurance Provider: What to Look for
Not all dental insurance plans offer excellent value; be careful to search for these essential characteristics while searching for insurance:
- A reasonable deductible: Your deductible is the amount you are responsible for paying out of pocket before your insurance begins to cover your treatment. You risk being trapped with an insurance plan you can’t afford to use if you select a plan with a high deductible. Find insurance policies with affordable deductibles; some companies even provide $0 deductible alternatives.
- Low coinsurance: Coinsurance is the portion of your dental care costs you are responsible for paying after your deductible has been met. For instance, if your coinsurance rate is 20% and you receive a $100 bill, you would be liable for paying $20 of that amount. To get the maximum benefit from your dental insurance plan, consider an insurance option with minimal coinsurance costs.
- Several procedures are covered: Unlike health insurance companies, dental insurance companies can decide which services they will cover. For instance, dental insurance providers frequently exclude adult sealants and orthodontics from coverage. Review your official benefits statement before signing up for any dental insurance plan.
Who is Eligible for Retired Military Dental Insurance?
To be eligible for cheap retired military dental insurance through the FEDVIP, at least one of the requirements listed below must be true. You have to:
- Over 65 years of age and eligible for military retirement pay.
- a Guard or Retired Reserve member.
- The age at which a retired “gray-area” reservist will start collecting retired military benefits is 60.
- A retired military member’s spouse who has previously signed up for FEDVIP.
- FEDVIP benefits are available to children of military members, but you must be under 21 or enrolled in school full-time before you turn 23.
- The unmarried surviving spouse of a military member who passed away while performing their duties or due to a sickness or accident acquired while serving.
- A recipient of the Medal of Honor or a partner of a recipient.
Only within the open enrollment period can you sign up for FEDVIP; typically, this time frame goes from mid-November to the end of December. However, suppose you’ve gone through any subsequent qualifying life events. In that case, you can be eligible for a particular enrollment period:
- You no longer have dental insurance (for instance, because you lost your job or your independent coverage was terminated).
- Added a new member to the family
- A family member died.
- You no longer have dental insurance when your provider doesn’t provide dental insurance in your new region after moving.
DENTAL INSURANCE FOR RETIRED MILITARY FAMILIES
Going straight to a provider and purchasing a stand-alone plan is one approach to obtaining dental insurance. If you want more control over the dentists you may visit and the extent of your coverage, you can choose to do this.
These are ten (10) companies to take into account:
Humana’s four dental plans have no waiting periods, and the selections and benefits are among the finest in the market. Dental discount plans, PPOs, and HMOs come with some of the lowest prices we could locate from any provider and are available to those who want coverage to start immediately.
The Dental Value plan from Humana is an HMO without a deductible or yearly cap. Dental Savings Plus is a cheap dental savings program with a monthly fee of just $6.99. It’s crucial to remember that this differs from a conventional dental insurance plan in that standard procedures like exams and cleanings are not covered.
Instead, when you visit one of the 160,000 participating dental care facilities, the plan provides discounts ranging from 20% to 40%. This offers a 20% orthodontic discount, which is a better value than the coinsurance provided by some more costly dental insurance policies.
2. Denali Dental;
If you want to choose a plan with a high yearly maximum, Denali Dental is an excellent choice since you could acquire one as high as $6,000.
This implies you won’t have as much anxiety about spending too much on dental care, as the plans also offer four cleanings each year to help keep your teeth sparkling and attractive.
If you want dental insurance for veterans with no waiting time, Denali is a wise choice.
Even with regular preventative treatment and good oral hygiene, most individuals eventually require fillings and other basic dental procedures.
We recommend UnitedHealthcare if you’re seeking insurance to pay for these procedures and don’t want to wait six to a year for the policy to go into effect. There is no waiting period for preventative or basic services for seven of the provider’s ten dental plans.
UnitedHealthcare provides numerous dental insurance options, and most main services are covered; however, there is often a six-month wait. Only one plan, though, offers orthodontic care, and it doesn’t start until 12 months after the policy’s start date.
It can be challenging to find a dental insurance plan that covers orthodontics, and those that do frequently have waiting periods of up to two years. Ameritas covers orthodontics without any waiting periods, and although out-of-pocket expenses are 85% in the first year, they decrease to just 50% after that.
Ameritas dental plans use the same coinsurance rate structure for other types of treatment. The total cost of preventive treatment is covered, although there is a yearly cap of two exams and cleanings. While major treatments are charged with an 80% coinsurance rate in the first year and a 50% rate following that, basic services are invoiced with a 35% coinsurance rate in the first year and a 20% rate for each subsequent year.
Depending on the plan, Ameritas plans have an annual maximum of $750 or $2,500 and a $50 deductible. The other half enables you to select any dentist. However, it’s important to note that Ameritas runs one of the country’s largest networks of dental practitioners. Half of the plans are restricted to in-network providers.
Most of the policies offered by insurance provider MetLife include waiting periods; however, under the Veterans Affairs Dental Insurance Program (VADIP), they are eliminated for retired military members.
These dental insurance are open to all veterans participating in the VA health care program and come in two levels of coverage: Basic and High. A single veteran will pay between $28.89 and $33.80 monthly for the basic plan. A single veteran will pay between $61.14 and $71.53 monthly for the high plan.
No matter what, the base plan includes a $50 deductible, which only applies to out-of-network expenditures for the high option. Depending on the plan and whether you’re in the network or not, annual limits range from $1,000 to $3,500.
The plans’ in-network coverage ranges from 30% to 50% for major treatments, 50% to 70% for basic services, and 100% for preventive care. There is a long waiting time of 24 months, yet the High coverage option only offers 50% coverage for orthodontic procedures. However, there is no delay for any other services.
6. Delta Dental;
Since many dentists take Delta Dental insurance, it might be a fantastic option if you want to be able to choose from an extensive network of specialists. Additionally, some programs offer benefits that rise to the third year, increasing each subsequent year.
You can also discover plans with yearly maximums as high as $2,000, notwithstanding the possibility of waiting periods for basic and significant treatments.
7. Spirit Dental;
Spirit is another excellent option if you’re looking for dental insurance with a large yearly limit. If you require expensive treatments, you can enroll in a plan with a $5,000 maximum that offers you peace of mind.
Also available are plans with no waiting periods, three cleanings each year, and a wide range of dentists from whom to pick.
8. Renaissance Dental;
Plans offered by Renaissance Dental may include an annual deductible and a high yearly maximum (up to $3,000).
You could locate insurance that precisely satisfies your requirements with no waiting periods, the ability to go outside of the network, and coverage for primary services, preventative care, and essential services.
9. California Dental;
You could look into California Dental if they are accessible in your region since you might be able to acquire a plan with no deductible and a reasonable copay.
No waiting periods and an unrestricted yearly maximum are possible additional benefits that can help you get pricey treatment without worrying about your ability to pay for it all on your own.
10. Argus Dental;
When you’re on a tight budget, Argus is an alternative to take into account because there are plans available that have no deductible and an annual maximum that is infinite.
You can get enrolled in plans without previous condition exclusions and locate plans without waiting periods if you have pre-existing ailments. A fee schedule will also let you know in advance how much a visit to the dentist will cost.
There are several possibilities regarding dental insurance for retired military families with no waiting period. These plans make it simple to receive benefits from the minute you sign up, whether you want emergency dental insurance on short notice or want to use your insurance coverage immediately.
FAQs about the Dental Insurance for Retired Military Families
- What Is No Waiting Period Dental Insurance?
You don’t have to wait for coverage to start with dental insurance that doesn’t have a waiting period.
- Are there waiting periods for all dental insurance plans?
Many dental insurance policies impose waiting periods on some operations, but not others, and not all dental insurance plans include waiting periods.
- What Alternatives Do I Have to My Dental Waiting Period?
Buying dental insurance without a waiting period is the easiest approach to avoid waiting periods for dental insurance. If that is not an option, you might inquire with your dental insurance provider about possibly waiving your waiting period.
- What is the typical cost of dental insurance for retired military personnel?
You have access to great savings on dental insurance through the FEDVIP marketplace. Expect to spend between $10 and $15 per month for coverage for an individual plan, and a family package should cost between $30 and $45 per month.