Many people are not aware of the fact that they have choices when it comes to their health care and in regards to their dental care as well. Today there are many different types of plans, including Dental Plans, Medigap Plans, Medicare Supplement Plans, Medicare Advantage Plans and more that allow you to pick and choose what type of coverage you want and need. For example: if you are in good health but do not have dental insurance you can purchase a Medicare Supplement Plan. This plan will pay for your dental expenses, nothing else.
On the other hand if you are in poor health but still have some teeth remaining you can buy a Medicare Advantage Plan. These plans are similar to the Medicare Supplement Plans, but instead of getting coverage from Medicare Part A and Part B, you will get coverage from private insurance companies. Again, you are only eligible for the services that are not already covered by an existing plan you have.
These days there are many different companies that offer services for those who do not have dental insurance or who do not want to get coverage through their employer. One way to find out what dental services are covered by Medicare is to request a copy of your existing health care card. Under the heading of “Dental”, there should be multiple pages containing the various types of plans and their specific guidelines. Look closely at what each plan has to say and then contact your local Medicare representative to find out which plan will best suit your needs. Even if you have to pay more, having all of your dental work covered by Medicare is better than not having any.
Another way to find out what your particular plan covers is to ask for a copy of your Medigap application. Under the “Medigap” headings there will be multiple pages of coverage options. Look at each one very carefully, as each one may state a limitation on the kinds of services that are covered. If you are in need of major dental work, such as dental implants or root canals, you will probably have to pay significantly more for the services than if you were to go with a regular plan.
The types of procedures that are covered under each plan vary slightly. A lot of insurance companies cover cosmetic surgery, while others will not. Before you pick one, call the office of your primary doctor to be sure that they will accept the insurance coverage. You can also call several insurance companies and request a quote. Most offices will be happy to supply such information.
When it comes to what dental services are covered by Medicare? Some plans cover only basic preventive care. Others cover just a few visits to the dentist a year. There are also a select few plans that will cover all dental work. Your primary care doctor should be able to help you understand what is covered and what is not, so that you can choose the best policy for you.