Is Medicare Dental Coverage Offered in Parts A and B?
When you enroll in a Medicare plan, you have to keep in mind that they don’t usually offer complete Medicare dental coverage. Medicare plans can only offer dental coverage unless a major dental surgery is needed as part of your overall wellness.
Unfortunately, you won’t be able to benefit from Medicare dental coverage in Parts A and B unless a hospital stay is involved or a major accident happened. You might have to rack up a huge out of pocket expenses and a high bill before getting reimbursed through Medicare. This can be inconvenient as you might have to go through a lot of paperwork, make several phone calls, and wait for weeks before getting your money.
What Options Are Available?
You can get Part C or the Medicare Advantage Plan. This plan covers preventive dental care including routine check-ups, x-rays, and cleanings. Along with the dental care, you also have the option to get covered with prescription drugs and enjoy vision check-ups. But be aware that the benefits are very limited and do not cover many dental services.
Your dental insurance should at least be different from your medical plan. This way, you can get root canals, extractions, cleanings, and dentures at lower prices. There is standalone dental insurance for seniors that provides more comprehensive coverage that is usually a better alternative than medicare dental coverage through Part C.
Medicare Dental Coverage Alternative Benefits
Dental insurance for seniors usually has an annual maximum limit of $1,500 – $3,000 depending on the package and the coverage involved in the plan. If you have to undergo major procedures such as complex extractions, oral surgery, crowns, root canals, dentures; an independent senior dental plan can help you cover a large portion of the expenses if it is a full coverage. Call us if you need assistance finding a senior dental plan or bundle at (800) 311-7092.