Dental Plans
While some Medicare Advantage plans include dental coverage, Original Medicare typically only covers dental care in extreme situations, such as cancer treatments or organ transplants. Unfortunately, this leaves you responsible for regular dental care, including cleanings, crowns, and cavity treatments. As the saying goes, "Medicare only covers you from the neck down!" So, what should you do?
If you have a dentist you want to keep, find out which insurance plans they accept. Do they take Dental HMOs (DHMO) like Delta or Liberty Dental, or do they prefer PPO plans? This is crucial since there is a significant cost difference between these types of plans.
Additionally, consider if you have any deferred dental maintenance. Some states, like California, enforce a "Missing Tooth Clause." This clause means that if you get dental insurance after losing a tooth, the insurance won’t cover that specific tooth!
Types of Dental Insurance
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DHMO (Dental HMOs): |
PPOs: |
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If you are considering a PPO plan and wonder about coverage amounts, consult your dentist for recommendations. The good news is, you can purchase dental insurance at any time of the year—it’s always open enrollment for your teeth!
For personalized guidance on dental insurance plans and to find a Medicare agent in your area, use our directory to connect with a local, licensed Medicare agent who can help you navigate your options and ensure you get the coverage that best fits your needs.