Dental Insurance with Medicare

Dental Insurance with Medicare

Are you looking for dental insurance? When it comes to Medicare and dental insurance a lot of people wonder if Medicare has dental insurance or if they cover any dental work.

 

Dental services

How often is it covered?

Medicare doesn’t cover most dental care, dental procedures, or supplies, like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices. Medicare Part A (Hospital Insurance) will pay for certain dental services that you get when you’re in a hospital. Part A can pay for inpatient hospital care if you need to have emergency or complicated dental procedures, even though the dental care isn’t covered.

For example, it you suffer an accident that results in damage to the jaw, Medicare would cover the medical reconstruction of the jaw. Or if you have a disease involving the jaw, Original Medicare might cover a tooth extraction that is directly caused by the disease.

For emergency and complicated dental procedures that require a hospital stay, Medicare Part A covers the hospital stay but not the dental procedure.

If you’re having a kidney or heart transplant or another complicated procedure that requires a preliminary dental exam, Medicare covers the dental exam either under Medicare Part A or Medicare Part B, depending on whether the dental exam is performed by hospital staff or an in-office physician.

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Since routine dental coverage is not available under Original Medicare, you are generally responsible for the full cost of your dental care unless you have other dental insurance.

What now?

Although Medicare doesnt cover dental insurance getting coverage isn’t a problem. You can get full coverage by getting qutes on line.

Dental coverage through Medicare Advantage plan

You may be able to get dental coverage under some Medicare Advantage plans. Medicare Advantage plans (Medicare Part C) can include extra benefits like routine dental, routine vision, and Medicare prescription drug coverage. You can check out Medicare Advantage plans in your area by visiting www.ehealthmedicare.com.

Other dental coverage options

As mentioned, unless you enroll in a Medicare Advantage plan that includes routine dental coverage, you’ll typically have to pay the full cost for routine dental care. However, there are other ways to cover dental costs outside of what’s covered by Medicare, including dental insurance and dental discount cards. Please note that these types of dental coverage are not part of Medicare.

Dental insurance

For complete dental coverage, you can shop online  to learn about and buy an individual dental insurance plan that fits your personal needs. You may also have group dental insurance available, if either you or your spouse is employed. Be sure to read the plans carefully. Some dental plans require you to stay within a network of dental care providers. The premiums may be a bit higher for this type of plan, but the costs are offset by lower out-of-pocket fees, like copayments, coinsurance, and deductibles, mainly because network dentists usually agree to charge discounted rates to members of the dental plan. Other plans let you go to any licensed dental professional, but you may have to pay more at the time of service.

 

Have more questions? Give me a call at (475) 88CARLY / (475) 882-2759

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By MEDIGAP on Incline