What you should know about dental insurance for Medicare.
For anyone who needs Medicare, you know that weeding through all the information about the program can be time consuming and somewhat confusing. One thing to keep in mind, as you navigate through this process, is that Medicare does not cover everything. It is important to compile a list of what is and is not covered. Dental coverage on Medicare is very limited and most plans don’t cover routine visits, such as cleanings.
Some dental insurance for Medicare is extensive and covers everything while other plans are very limited. Out-of-pocket costs associated with routine and non-routine dental care can be financially devastating so adding dental coverage will help with that. Original Medicare may cover a medical emergency involving your teeth but routine services such as cleanings or filings may not be covered. Make sure to read the fine print on each plan so you know how much you will need to pay for routine visits and how much you will be required to pay out of pocket for an emergency. To learn more about the dental services that Medicare does cover is to go to Medicare’s website: www.medicare.com.
The best, and easiest, way to find dental insurance for Medicare in your area is to go to this website: www.dentalplans.medicare.com. There, you can enter your zip code to see a list of plans in your area. Most areas may only offer one plan, which means your dentist may not participate in the plan. Check with your preferred dentist before choosing a plan to see which plans they will accept. Change is never easy, but it is much better than paying out of pocket expenses to maintain your oral health.