Dental care is important at any age, but as we age taking care of our teeth is paramount. Senior dental coverage does not have to be complicated. Here are the basics that you should know about senior dental care.
Does Medicare Cover Dental?
Medicare does NOT cover dental procedures or supplies: cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices. However, if you’re in the hospital already and need dental care, Medicare Part A will pay for certain dental services. Part A can even pay for complicated or emergency inpatient dental procedures. To cover most dental care you may want to consider a senior dental plan.
What do Senior Dental Plans Cover?
As a general rule dental coverage is 100-80-50*. This means that 100% of preventive care is covered, 80% of fillings, root canals, and other basic procedures, and 50% for crowns, bridges, and major procedures. Each plan places a limit on its yearly coverage which can range from $500 to a few thousand.
*This does not mean that your dental plan will offer this type of coverage.
Which is the Best Senior Dental Plan?
Depends on what your needs are. If you have good dental health a basic plan might be right for you, however if you know that you require more complicated procedures a comprehensive plan with a higher premium can save you thousands. You also want to decide if you want nationwide coverage or a local HMO plan.