Oral health is essential for everyone, regardless of their age. However, dental care can be expensive, especially for seniors on a fixed income. That is why it is vital for older adults to have adequate dental insurance coverage to help cover the costs. Unfortunately, Original Medicare Dental does not cover most dental procedures, which creates a dilemma for many seniors.
In this article, we will explore the different types of dental insurance options available for seniors on Medicare, so you can make an informed decision about what will work best for you.
- Traditional Medicare and Dental Coverage:
Original Medicare does not cover most dental services, procedures, or supplies, such as routine check-ups, cleanings, fillings, dentures, extractions, or root canals. However, Medicare does cover limited dental services if they are medically necessary, such as dental exams before heart surgery, jaw cancer treatments, and injuries to the mouth or jaw. It is essential to note that Medicare Advantage plans may offer additional dental coverage beyond Original Medicare.
- Medicare Advantage (MA) Plans:
Medicare Advantage (MA) plans are health plans offered by private insurance companies that contract with Medicare. Most MA plans include dental coverage that goes beyond Original Medicare’s limited dental coverage. MA plans may offer coverage for preventive dental services, such as cleanings, X-rays, and oral exams, and sometimes even orthodontics. Seniors who are enrolled in a Medicare Advantage plan should check their plan’s details to see what dental services are covered.
- Standalone Dental Insurance Plans:
According to a recent survey by the National Association of Insurance Commissioners, seniors on Medicare should consider standalone dental insurance plans. These plans are specifically designed to cover dental costs not covered by Original Medicare. However, it is essential to remember that not all standalone dental insurance plans are created equal, and coverage options will vary, so it’s vital to review each policy’s details carefully.
- Discount Dental Plans:
Discount dental plans are not insurance but instead offer cardholders access to a network of dentists who offer dental services at a discounted fee. The cost of these plans is generally low, but it is crucial to know that discounts do not often apply to all services provided, and you may have to pay the remainder out of pocket. Additionally, while some standalone dental insurance providers may offer access to discount dental plans, it is essential to compare costs and review each plan’s restrictions and terms carefully.
- Cost of Dental Insurance for Seniors on Medicare:
The cost of dental insurance varies based on the type of plan and coverage you choose. Medicare beneficiaries who enroll in an MA plan may pay an additional monthly premium for their dental coverage, while standalone dental insurance plans may have low premiums with deductibles and copayments for each service. Discount plans usually have low monthly premiums or annual fees of around $10 to $15, but patients will still have to pay out of pocket for most services.
Dental care is essential to maintaining overall health, especially for seniors. Seniors on Medicare must review their options carefully to find affordable dental coverage that meets their needs. While Original Medicare does not cover most dental services, there are still many options available on the market. Medicare Advantage plans may provide additional dental coverage, and standalone dental insurance plans and discount plans can help fill the gaps in coverage. Seniors must weigh their options and compare costs to find the best coverage for their needs and budget.
