Davison Insurance Group




What is a Stand-Alone Dental Plan?

dentist, dental care, dentistry

A Stand-Alone Dental Plan is a Dental coverage that Original Medicare or Medigap doesn’t cover. Although most MA carriers have built-in dental coverage, the Stand-Alone Dental Plan is suited more for people with no coverage through Medicare. However, people can still purchase a separate Dental Plan while on MA or MAPD for extra coverage.

Why is it important to have Dental coverage for seniors?


  • Prevent gum disease that can affect heart
  • Oral health
  • Dentures
  • Root canal
  • Routine checks up
  • Major oral surgeries (if needed)

Dental Plans are sold by major carriers or private companies, and most come with a waiting period. Typically, 6-12 months, depending on which plan a client chooses or carrier base. There are 3 types of Dental Plans such as:

  • PPO (Preferred Provider Organization) A network of dentists who have agreed a set fee for dental service.
  • DHMO (Dental Health Maintenance Organization)
  • Discount or Referral Plans

What is a Discount or Referral Dental Plans?

Discount/Referral Plan is a Dental Savings Program that is typically for people with no coverage, or their policy won’t pay for the service. Therefore, a patient can negotiate an agreed price for their service and save between 10%-60%.

How does it work?

  • Pay an annual fee upfront
  • No monthly fee
  • Once you pay the annual membership fee, you can go to the dentist the very next day.
  • No waiting periods

Who can enroll in a Dental/Discount/Referral Plans?

Everyone! Some carriers have no age limit, while others have a special design plan for seniors.

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