Once a year Medicare beneficiaries can enroll into or change their Medicare Advantage Plan. This year’s Annual Enrollment Period runs from October 15 to December 7. This is also the best time to also check on dental insurance.
Medicare will not cover most dental needs. For example Medicare does not cover dental procedures, or supplies, like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices. The exception would be reconstruction of the jaw following accidental injury that severely damaged the individual.
Some Medicare Advantage plans do have a limited dental benefit, however this is not the comprehensive coverage a person is used to from when they may have had employer group benefits. What is more concerning is Medicare recipients are more in need of dental coverage than any other segment of the population. The average person over 65 years old or older spends $1,154.00 a year on dental care.
If you have Medicare Supplement insurance, then you also do not have dental coverage.
Many seniors are now purchasing an individual dental plan to get comprehensive coverage on services such as root canals, dentures, crowns, bridgework, and dental implants. Here are some standard listings of what most dental policies cover.
- No waiting periods on most preventive and basic services
- Fixed pricing, regardless of age
- No deductible for preventative services
- Coverage for major services, including crowns, bridges, root canals, dentures and implants
- PPO dental plans with nationwide dental networks
Be sure to check on Senior Dental Insurance today.