Overall, Medicare is a pretty good health insurance plan. Especially when you combine it with a Medicare Supplement or Advantage plan. However, there are still a few gaps that aren’t covered.
Dental services are one of them.
Advantage plans may have a small amount dental benefits but they only cover one or two cleanings per year. Usually no additional x-rays, fillings, crowns, dentures, etc. are covered.
Supplements don’t cover any type of dental services.
Related Post: Medicare Advantage vs Medicare Supplement
The good news, is that dental insurance for seniors is basically the same as dental insurance for people under 65. So, if you are interested in dental coverage you have the option to choose between traditional dental insurance or dental savings plans.
You pay a premium each month and some services are covered for a co-pay or co-insurance amount. There are usually waiting periods and deductibles that need to be met before services are covered. The maximum amounts the insurance companies will pay for dental services are usually less than $1,500 each year.
Although this is what most people are used to having through an employer, often dental savings plans are much more cost effective.
Dental Savings Plan or Dental Discount Plans
With this type of plan, you usually pay a small annual fee and then you have access to significant discounts on all types of dental services. If you are looking for dental insurance with no waiting period, this is the way to go. There are dozens of reputable plans that don’t require waiting periods or deductibles. You qualify for the discounts on the first day of coverage. In addition, there are no caps, or limits, on how much the plan will pay for your dental services. Plus, discounts on other services like eyeglasses, hearing aids, and chiropractic services are included. This can be a much more economical decision.One words of caution – Make sure your dentist accepts the plan you choose. There is no reason to pay for dental coverage if you can’t use it.