Because Medicare doesn't cover the care your smile depends on.
Finding affordable dental care isn't easy, especially for seniors on a fixed income. Unfortunately, dental coverage through Medicare is extremely limited - it does not cover the basics you need to keep your teeth healthy.
If you're on Medicare and want coverage for most dental care, you have options: you can buy a supplemental dental plan, switch to a Medicare Advantage plan that includes dental coverage, or purchase insurance through a private company.
Cleanings, fillings, tooth extractions, crowns, dentures, and most dental devices are not covered by Medicare Parts A or B. Without a dental plan, these costs come entirely out of your pocket.
Dental plans typically provide tiers of benefits. The higher the tier, the more comprehensive - and often more expensive - the coverage.
Preventive care coverage includes cleanings, exams, and most routine care. This is the most commonly covered tier and is included in virtually all dental plans. Depending on the plan, it may or may not have a waiting period, deductible, or copay.
Examples: routine cleanings, X-rays, oral exams, fluoride treatments.
Basic coverage is typically for services like simple fillings and basic restorative work. Each insurance company defines this tier differently, so it's important to review the plan details carefully.
Examples: simple fillings, tooth extractions, periodontal maintenance.
Major coverage handles the most significant and costly dental procedures. Plans that include this tier typically have higher premiums and may have waiting periods before major services are covered.
Examples: root canals, crowns, dentures, bridges, oral surgery.
For most people on Medicare, the answer is yes.
Preventive dental care contributes to a better quality of life. Oral health is directly linked to overall health, including heart disease and diabetes management.
A crown, bridge, or denture can cost thousands of dollars out of pocket. The right dental plan puts a ceiling on those costs.
The most affordable plans cover preventive care only. More comprehensive plans add basic and major coverage. The key is matching the plan to what you actually need.
Predictable monthly premiums are easier to manage than surprise dental bills. Many dental plans are available at rates designed for seniors on Medicare.
Our licensed agents are ready to find the best coverage for your needs at no cost to you.
800-747-1690