Dental health should be a major concern for seniors. Monitoring your oral health isn’t just about good teeth: it can give insight into your overall health.
There are many reasons why it’s important that you visit your dentist regularly. Aside from monitoring your dental health, checkups are a window into other health concerns. For example, doctors can be tipped off to conditions like diabetes by poor dental health. Also, as you get older you are likely taking more medications and sometimes those medications can be good for one part of your body but also have a negative effect on your oral health.
If not covered by insurance, tooth maintenance and care can leave a gaping hole in your wallet!
Dental care is not part of the Original Medicare or Medigap supplement plans. However, some Medicare Advantage Plans come with comprehensive dental coverage. If your Medicare Advantage Plan comes with dental coverage, you may not have to purchase a separate plan. The greatest benefit of dental insurance is that it lets you save money on necessary procedures like teeth cleanings, root canals, crown replacements, and oral X-rays.
Other significant benefits of full coverage dental insurance include:
If you are familiar with the basics of health coverage, you’ll understand dental plans. Both have similar processes and use terms that you may already be familiar with:
Advanced procedures may require that your deductibles are met first before your dental plan will start paying for a percentage of the treatments.
Dental insurance provides three levels of coverage including preventive care, minor procedures, and major procedures. Full coverage dental plans normally cover the following and more:
Most plans come with an annual maximum benefit and once this maximum limit is reached, all expenses must be paid by you. Seniors should compare dental insurance plans before making a final decision.
The good part of dental insurance is that once you are signed up for a plan and paying premiums, all necessary preventive treatments like routine checkups and cleanings are immediately available to you, fully covered.