What Is the Best Dental Insurance for Seniors?

Seniors can definitely benefit from getting a good health insurance plan with the right dental insurance coverage. However, finding the right dental coverage may seem a little daunting at first. Below are some tips for seniors to assist them find the best dental insurance plan to suits their requirements and give them all the benefits they need for good dental health.

What Dental Insurance Plans for Seniors Are Available At GMHBA?

Dental coverage for seniors is available at GMHBA under a variety of their best health insurance extras plans. The type of dental coverage seniors should choose depends on their current dental health, their available budget and any other extras they may want to take advantage of.

One of the most popular plans for seniors is the Silver Hospital and Extras Plan. With this plan, seniors get coverage for general, preventative and even major dentistry. In addition to good dental health coverage, the plan also provides coverage for pressure garments, orthopaedic appliances, nursing, hospitalisation and more.

Gold Hospital (no pregnancy) & Gold Extras Set Benefits

High level Hospital cover, accessing many services. Extras cover for a range of popular services that suit your lifestyle.
$ 49.20*
per week
Select

Gold Hospital (no pregnancy) & Silver Extras Set Benefits

High level Hospital cover, accessing many services. Great benefits on a wide range of popular services.
$ 40.95*
per week
Select

Silver Hospital Plus & Gold Extras Set Benefits

Moderate hospital cover. Includes private hospital with some exclusions. Extras cover for a range of popular services that suit your lifestyle.
$ 42.10*
per week
Select

Gold Hospital (no pregnancy) & Gold Extras Set Benefits

High level Hospital cover, accessing many services. Extras cover for a range of popular services that suit your lifestyle.
$ 49.20*
per week
Select

Gold Hospital (no pregnancy) & Silver Extras Set Benefits

High level Hospital cover, accessing many services. Great benefits on a wide range of popular services.
$ 40.95*
per week
Select

Silver Hospital Plus & Gold Extras Set Benefits

Moderate hospital cover. Includes private hospital with some exclusions. Extras cover for a range of popular services that suit your lifestyle.
$ 42.10*
per week
Select

* The price shown is per week and applies to a Single living in VIC with a $500 excess. It excludes LHC loading and includes a Base Tier Government Rebate.

Choose your own extras provider.*

*With GMHBA, you have the choice to use any extras provider with professional qualifications recognised by GMHBA.

Seniors who want to be covered for any circumstance can also choose one of our gold insurance packages, for example the Gold Hospital & Gold Extras policy with which they receive 75% of their out-of-pocket expenses back for claimable extras - up to their yearly limit. The gold insurance package yearly limits are higher and therefore allows seniors to claim more than with other packages and also covers preventative, general and major dentistry procedures.

The choice of dental insurance plan best for you will somewhat depend on your overall health and wellbeing. If the senior is in relatively good dental health, preventative and general dentistry options may be more attractive. However, the majority of seniors tend to choose one of our dental insurance plans with major dentistry coverage, as they are often at a higher risk of needing such a treatment.

Do All Senior Insurance Plans Cover Dental Implants?

Dental implant surgery is not included in all health insurance plans for seniors at GMHBA, so it is always a good idea to check your extras cover before you commit to a certain plan. On the GMHBA website we can assist you understand what is included in each of our policies and if you browse the site a green icon on the left-hand side of the treatment will inform you that the specific item is included in the policy. There may also be an orange icon, which indicates that the treatment is covered in a public hospital as a private patient.

What about Coverage for Senior Couples?

GMHBA also offer the best health insurance coverage option for senior couples. As an insurance company we aim to provide all our customers with a health insurance package that fits their needs. Senior couples can therefore find a suitable health insurance package with dental coverage in our available product range.

In order to determine the best health insurance package for your needs and your partner’s needs, it is essential to enter your age and the age of your partner in our filter tool. By using our filter tool, you will get immediate access to an outstanding range of insurance products suitable for your needs including both hospital and extras cover.

What Other Extras Could Be Beneficial for Seniors?

There are many other extras services apart from dental which are included in our extras plans at GMHBA. Some of these which may be relevant to seniors include cardiac treatments, rehabilitation services, dental implant surgery and joint replacement procedures.

However, the best health insurance package for you is not always the health insurance package with the largest amount of extras. An extra such as pregnancy related services is not relevant for our senior clients, so there is no point having this extra included in your health insurance policy as it will increase your premiums.

At GMHBA we also offer a range of Hospital cover from Bronze cover to our comprehensive gold hospital (no pregnancy) cover. This will give you the peace of mind you deserve that if you do require any hospitalisation or surgery you will be treated as a private patient and be able to choose your doctors and surgeons.

What about Seniors Who Live On a Tight Budget?

The best health insurance for seniors does not necessarily have to cost an arm and a leg. At GMHBA we offer a variety of comprehensive coverage for all budgets. To discover the low cost coverage options at GMHBA, select the low cost cover option from the menu on our website.

At GMHBA we recommend before you commit to and health insurance plan, it is a good idea to have a look at the cover details, waiting periods and limits. If you are wanting to find the best health insurance policy for you have a browse through out website or speak to one of our specialists over the phone who will be able to advise you of the best health insurance policy for you.