Why You Need a Dental Insurance Plan with Medicare
Why You Shouldn’t Skip Dental InsuranceAs stated above, going to the dentist is more than just a teeth cleaning. It’s an opportunity for a dental specialist to look at your overall oral health, which is vital if you’re over the age of 65. According to the Centers for Disease Control and Prevention (CDC), older adults (age 65) are more prone to have oral health problems: ii
- 1 in 5 adults has untreated tooth decay.
- About 2 in 3 adults (68 percent) have gum disease.
- Nearly 1 in 5 have lost all their teeth.
- Cancers of the mouth (oral and pharyngeal) are primarily diagnosed in older adults, median age 62.
What Dental Coverage is Included with Original MedicareIf you’re a Medicare enrollee, then you’ll be happy to know that “some” dental coverage is included, but not much. Dental coverage, as we commonly know it – with cleanings, extractions, etc. – was excluded when Medicare was originally conceived. However, your Medicare Part A (hospital insurance) will cover some procedures that require you to be hospitalized.iv Dental Coverage Under Medicare:
- Dental services that are an integral part of a covered procedure (ex. Jaw reconstruction following an injury).
- Extractions done in preparation for radiation treatment for neoplastic disease involving the jaw.
- Oral examinations, but not treatment, preceding kidney transplantation or heart valve replacement, under certain circumstances.
- Inpatient hospital services when the medical condition requires hospitalization.
- Tooth extractions
- Dental plates
- Most dental care
How Do I Get Dental Insurance with My Medicare Plan?Now that you know what Medicare Part A covers and, more importantly, doesn’t cover, you have options on how you can get dental insurance while on Medicare.
Medicare Advantage PlanOften known as an “all-in-one” plan, Medicare Advantage Plans combine your Medicare Part A (hospital insurance) and Part B (medical insurance), and often also include prescription drug coverage (Medicare Part D). Many Medicare Advantage Plans also include extra benefits - such as hearing, vision and dental insurance. Medicare Advantage Plans are private insurance plans approved by the U.S. government, which may lower your out-of-pocket costs and may offer $0 monthly premiums as well as $0 copays. Most plans will help cover routine dental services with in-network dentists including preventative and diagnostic services, like:
- Dental exams
- Routine cleanings
- Crowns and bridges
- Root canals
- Dentures and implants
Stand-Alone Dental Insurance PlanIf you are content with your Medicare Part A and Part B plans and still want dental insurance, you can get a stand-alone plan. Many well-known insurance providers offer these stand-alone dental insurance plans. Benefit details on items such as premiums, deductibles, annual plan maximums and coverage areas will vary depending on which insurance provider you choose.
Ready to Enroll?If you’re a Medicare enrollee interested in enrolling in a stand-alone dental insurance plan or a Medicare Advantage Plan with dental coverage, then please call Ensurem. Ensurem partners with some of the most well-known insurance companies in the U.S. to offer plans with the lowest costs and the most benefits. Our team of licensed insurance agents gets to know your needs to help you find the health care plan that fits your needs. Give Ensurem a call to help take your oral health to the next level. 0123BGDVGN2020M_V1.0 i “Drilling Down the Dental Coverage and Costs for Medicare Beneficiaries,” Kaiser Family Foundation, March 13, 2019, https://www.kff.org/medicare/issue-brief/drilling-down-on-dental-coverage-and-costs-for-medicare-beneficiaries/ ii “Oral Health for Older Americans,” Centers for Disease Control and Prevention, https://www.cdc.gov/oralhealth/basics/adult-oral-health/adult_older.htm iii “How Much Does Teeth Cleaning Cost,” Cost Help Health, https://health.costhelper.com/teeth-cleaning.html iv “Medicare Dental Coverage,” Centers for Medicare & Medicaid Services (CMS), https://www.cms.gov/Medicare/Coverage/MedicareDentalCoverage/index v “Dental Services,” Medicare.gov, https://www.medicare.gov/coverage/dental-services
Denise Austin, 65, Ensurem Ambassador
Best-Selling Author, Creator of Fit Over 50 Magazine
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