My Medicare Advantage plan advertised dental coverage, but it barely covers anything. Is this normal?
Answered by 10 licensed agents
Dental coverage like most coverages vary from company to company and plan to plan. When sitting down with your Medicare or Health Insurance Broker, be sure to mention any services you hope to have done or coverages you’d like to make sure you have. This way, your Broker can find a plan that is tailored for your needs and expectations.
Dental Plans outside of Medicare Advantage often offer "discount" plans that still have clients paying for major dental work, so Medicare Advantage Plans often mirror those...some Plans offer higher amounts of coverage which you should review with your Broker.
No that is not normal. You must have just picked a plan with lower coverage. There are many plans that will Cover up to 2000 in dental and you can pick any dentist.
When open enrollment occurs I would change plans that have all your doctors, drugs and better dental coverage.
Answered by Tasha Riggs on April 12, 2025
Broker Licensed in CO, AZ, HI & 10 other states
This is a common occurrence. While your plan may include dental coverage it’s also important to check to see which procedures are covered under that benefit. Medicare Advantage plans change benefit benefits every year. Along with the annual coverage, limit there will also be a list of procedures that are covered and not all procedures may be covered 100% Its important to know what percentage of those procedures are covered. The coverage info will be summarized in your summary of benefits and expanded coverage info will be available on your Evidence of Coverage document. If you’re working with an agent or broker, they should be able to explain the benefits in great detail. I hope this information helps.
Most Medicare Advantage plans offer basic dental coverage. In most cases, it is not to be considered comprehensive in nature. However, some Advantage plans offer additional supplemental coverage for an additional premium. Many people also elect "stand alone" policies outside their Advantage plans.
Answered by Frank Woerner on April 7, 2025
Broker Licensed in IN & IL
Unfortunately, it is normal, they are discount plans. They do sell upgrade HMO plans, or you can always purchase PPO plans outside your Medicare Advantage plan.
These benefits are highly dependent on the Medicare Advantage plan you pick. Better network means optimizing all your dental benefits.
Answered by Kelly Linster on April 10, 2025
Agent Licensed in ND, AZ, CO, IA & SD
Most, if not all, advantage plans come with some dental coverage. It ranges from $1000-$5000 in maximum annual benefits. Every plan has a Summary of Benefits and the more detailed Evidence of Coverage document which clearly state what the plan does and does not cover. Prior to any dental procedure we advise that you check with your dentist's office to see what would be covered prior to your appointment.
Answered by Darko Bozic on April 15, 2025
Broker Licensed in OH
Yes dental coverage in a Medicare Advantage plan is limited and more so if you do not see a dentist in network
Answered by Daniel Young on April 10, 2025
Agent Licensed in NE & IA
Unfortunately that is common and normal with some Medicare advantage plans. In order to get additional dental coverage you could purchase a separate supplemental dental plan. Most supplemental plans are fairly inexpensive and could provide the extra benefits you're seeking. Talk to a insurance broker, like me, to help you find the best coverage for the best price.
Answered by Jesus Escamilla on April 14, 2025
Broker Licensed in TX, AL, AR & 34 other states
Tags:
Coverage
Medicare Advantage
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