Does Medicare Cover Dental?
When people mean Medicare, they usually mean Original Medicare, which is Medicare Part A and Part B. Part A is for the hospital. Part B is for doctor visits and outpatient procedures. The simple answer is Medicare does not cover dental. If you have only Medicare Part A and Part B, you need to purchase a separate, stand-alone dental plan, which may cost between $25 to $45 per month, depending on the coverage. Medicare Supplements or Medigap Plans do not cover dental. Medicare Part D drug plans do not cover dental. The dental plan may be with the same company you purchased your supplement from, but it is still a separate plan that costs more. Does Medicare Advantage cover dental? Some Medicare Advantage plans cover dental. In the Omaha Metro area, we have several plans that have very lovely dental plans. Should you get a dental plan? If you have a Medicare Advantage plan with good dental benefits, an additional dental plan does not make any sense. Still, if you are on Original Medicare, a Medigap policy, and Part D prescription drug, I would consider it. Dental health is like your general physical health. You go in for a physical annually to make sure everything is working. Your bi-annual teeth cleanings, X-rays, and oral examples are the same. You pay approximately $100–$200 for teeth cleaning in our area. The first appointment is more because the dentist generally does the most X-rays at the time. In the end, you could pay between $300–$400 per year for two teeth cleanings. That is without anything else being done. The filling could be $300. An extraction by an oral surgeon may cost $500. Crowns will be at least $1,200. The nice thing about a simple dental plan that is $25 per month, or $300 a year, is you would cover your teeth cleanings, but if there is anything else, like crowns or root canals, you are not paying the whole load. You are only paying 50% of a hefty bill. You are spending the same amount of money on getting your teeth cleaned twice a year, but now with a dental plan, you don’t need to worry about an overwhelming dental bill.
Call us for a brochure and quote for a dental plan.
11414 W. Center Rd., Suite 250 Omaha, NE 68144 402-614-3389 OmahaInsuranceSolutions.com
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