Original Medicare does not cover any dental expenses. Nor do Medicare Supplements. There are some Medicare Advantage Plans (MAPDs) that include some form of dental coverage as an extra. These are usually limited plans and you must utilize a dentist in their network. Some MAPD’s allow you to pay extra and get better coverage.
When you get down to basics, there are two main types of dental insurance plans.
Neither type of plan is a great bargain, though PPO plans are usually a slightly better deal if you use their network. All dental plans have a premium (amount the consumer pays to have the insurance), a deductible (amount consumer must pay before the plan starts paying), limited benefits (only cover 50-80 percent of the charges) and waiting periods ( the time you must pay for your coverage before the coverage becomes available for payment) . They are not standardized in anyway so comparing one plan to another can be difficult.
Some dental plans include some vision benefits, some let your add vision insurance (for an additional premium) and some work like a “pot of money” that you can use for dental, vision and sometimes hearing expenses. All the plans limit the maximum amount of money they will pay out in one year. The higher the premium, the more money that is available. Some plans increase the benefits if you stay with the plan more than a year or two. Benefits do not roll over from one year to another. They all have fine( but important) print.
If you plan on purchasing dental insurance coverage, I recommend talking to the insurance person at your favorite dentist’s office. Sometimes, they can steer you in the right direction. If you do get a PPO network plan, make certain you dentist participates by going to the insurance company web site and click, find a provider.
Please feel free to check out the dental companies below that I recommend. If you are brave you can even enroll without my direct help. However, I am always willing to help and answer questions.