The Best Dental Insurance for Veterans, Seniors, and Retirees
If you are a veteran who served the country with pride, it must be time for your country to return the favor. If you are a war veteran in the US, healthy teeth and a healthy body is easy to get.
Are you looking for dental insurance for veterans that are affordable, accessible, and can make your life easier?
VADIP AND CHAMPVA
The Veterans Affairs Dental Insurance Program (VADIP) gives veterans the opportunity to get dental insurance at reduced premiums and costs. Veterans should be enrolled in the Veterans Affairs Healthcare Program (VAHP) and Civilian Health and Medical Program of the Department of Veterans Affairs (CHAMPVA) in order to get additional discounts.
The CHAMPVA and VAHP beneficiaries have discounts for specific dental programs that they wish to enroll to. VADIP covers not only preventive services such as cleanings, x-rays, and check-ups, it also covers restorative services, emergency services, surgical services, and endodontic services.
VADIP began as a three-year pilot program which assessed the advisability and feasibility of providing premium-based insurance to eligible veterans. VADIP originally began on January 1, 2014, and runs up to January 31, 2017.
MetLife and Delta Dental of California
VADIP chose Delta Dental of California and MetLife to offer dental services to eligible veterans and their families. VADIP extends up to December 31, 2021 because of The Department of Veterans Affairs Dental Insurance Reauthorization Act of 2016.
With dental insurance for veterans, you can cover your family with comprehensive dental protection at very affordable prices. The premiums can depend on the number of your beneficiaries that you choose to enroll on your plan.
Kinds of Plans
Delta Dental VADIP Plans
For War Veterans and CHAMPVA, Delta Dental charges $26 as a monthly premium for enhanced plans. The comprehensive plans are around $44 – $45 and the prime plan is about $55- $57. This is per enrollee. You can know more about the plan offers on their website.
The benefits of the dental insurance for veterans include diagnostic and preventive dental services. This means you can have cleanings, oral exams, sealants, and x-rays at a hundred percent coverage. You can also get basic restorative silver fillings, simple extractions, and other general services if you need them.
The major benefits are only available after a waiting period of 6 to 12 months. These include major restoratives, endodontics, prosthodontics, and periodontics. This means that with the comprehensive and prime plans, you can get about 50%-70% of coverage when you visit an in-network dentist. You can get treatments such as crowns, root canals, gum treatments, bridges, implants, and dentures.
The plans generally have a $50 deductible. Note that this can be waived in preventive and diagnostic procedures. In short, you can get cleanings and x-rays free of charge if you enroll in this program. The best part is, you don’t have to wait in order to get your teeth cleaned. Make sure to visit an in-network dentist as discounts vary.
MetLife VADIP Plans
Coverage in MetLife includes cleanings, oral exams, bitewing x-rays, fillings, and maintenance. These are the basic and intermediate coverage for patients who are under VADIP. There are coverage as well for bridges, crowns, root canals, and dentures. There are comprehensive orthodontic treatments, and fixing of oral appliances.
You can get 100% coverage for in-network services and 60% on out-of-network services. You can get an annual maximum of $1,300 – $1,500 with in-network services and $1,000 – $1,200 for out-of-network services. The deductible is $50 for all treatments and plans in the standard option.
This option provides you with 100% coverage for in-network services and 90% coverage for out-of-network services. The plan also has a $3,000/$3,500 annual maximum for in-network and the same for out-of-network services. No deductible required for in-network dental treatments and a $50 deductible applies for out-of-network services.
Before and After You Sign Up
You have to make sure that the dental insurance for Veterans that you will sign up with is the right one that can cater to your needs. You can use a website calculator, add the members that you want to enroll, and get the approximate price of your monthly premium. In order to get your coverage, the next day after you are approved, you can enroll in the pre-payment method. This requires you an initial deposit or pre-payment of one month. Keep in mind that premiums change annually. Sign up for emails and newsletters in order to receive updates from your company. Check the charges on your credit card and bank transfers every month. You have to know what you are getting charged for. If you see anything in excess, call customer service.
If you are a war veteran, a dental insurance might look like an extra expense. However, it should not be seen as such. If you have dentures, it is easier to bite and swallow food. You can also show your family a great smile whenever they are around. Your oral health is essential in preventing diseases such as heart attacks, tooth loss, and diabetes. For diabetics, when a periodontal disease turns into diabetes, the blood sugar levels tend to go haywire.
Insurance Waiting Period
If you can get a group plan, go for it. Dental insurance tends to have lower costs and the waiting periods are often waived if you are part of a large group. Now is the time to get dental insurance. You won’t know that you will need root canal today, but you might need the surgery in the future. Insurance companies offer dental insurance for veterans and might have waiting periods set. This is because they know that some people get insurance when they need a certain oral procedure done. Other people tend to drop the insurance once they are done with it.
It is very easy to get dental insurance for Veterans. You only need to contact the right dental insurance company and get a plan that will cater to your needs. You can ask for additional information if you found a dental insurance company near you.