Dental Insurance for Seniors on Medicare

As we age, dental health becomes increasingly important. Despite the importance of dental health, many seniors on Medicare do not have dental insurance. This can be a problem, as dental work can be expensive and seniors on a fixed income may find it difficult to afford the care they need.

What is Medicare?

First, let’s discuss what Medicare is. Medicare is a federal health insurance program for people who are 65 or older, younger people with certain disabilities, and people with End-Stage Renal Disease (permanent kidney failure).

Medicare has several different parts. Part A covers hospital stays, skilled nursing facility care, hospice care, and home health care. Part B covers doctor visits, outpatient care, and some preventative services. Part D covers prescription drugs.

Does Medicare Cover Dental Care?

Unfortunately, Original Medicare (Parts A and B) does not cover most dental care. This includes routine dental exams, cleanings, fillings, and extractions. In some cases, Medicare may cover dental care that is deemed medically necessary. For example, if you need dental surgery as part of a larger medical procedure, Medicare may cover it.

What are the Options for Dental Insurance for Seniors on Medicare?

Since Medicare does not cover most dental care, many seniors choose to purchase supplemental dental insurance. Supplemental insurance plans are offered by private insurance companies and are designed to help cover the gaps in Original Medicare coverage. Here are some options:

Medicare Advantage Plans with Dental Coverage

Medicare Advantage Plans (Part C) are offered by private insurance companies and provide all the benefits of Original Medicare (Parts A and B) plus some additional benefits. Some Medicare Advantage Plans offer dental coverage, but the coverage and cost vary by plan.

Stand-Alone Dental Insurance

Another option is to purchase stand-alone dental insurance from a private insurance company. These plans are designed specifically for dental coverage and may have more comprehensive benefits than Medicare Advantage Plans with dental coverage.

Discount Dental Plans

Discount dental plans are not insurance, but rather provide discounted rates for dental services through participating providers. These plans require a membership fee and may have restrictions on the type of services covered and the providers available.

How to Choose a Dental Insurance Plan

When choosing a dental insurance plan, there are several factors to consider:

Covered Services

Make sure the plan covers the services you need. For example, if you need dentures, make sure the plan covers dentures.

Costs

Consider the monthly premium, deductible, and copayments. Make sure the plan is affordable and fits your budget.

Provider Network

If you have a preferred dentist, make sure they are in the plan’s network. If not, consider whether you are willing to switch dentists.

Plan Ratings

Check the plan’s ratings and reviews to see how it performs in terms of customer satisfaction and quality of care.

FAQ

Conclusion

Dental health is important at any age, but can be more challenging for seniors on a fixed income. While Original Medicare does not cover most dental care, there are several options for dental insurance for seniors on Medicare. By carefully considering your needs and budget, you can find a plan that provides the coverage you need at a price you can afford.