Medicare is a federally sponsored health insurance service for Americans over 65, or those with certain kidney diseases or those that have been disabled for more than two years. Although Medicare covers all or part of most hospital and medical services and prescriptions, there are some things it does not completely cover.
Unlike some insurance plans sponsored by an employer, Medicare does not cover most dental services. Medicare beneficiaries are responsible for paying 100 percent of the cost of basic expenses, such as cleanings and x-rays preventive care and routine procedures such as fillings, extractions and dental services, although there are some ways that you can access dental service with original medicare.
Dental Services Medicare Plan A: There are some circumstances under which Medicare covers dental services. In some cases, Medicare Part A covers dental services you receive while in the hospital, for example, when a complicated procedure that requires hospitalization is needed. Dental services are also covered if they are part of another covered service such as facial reconstruction after an accident.
Using Medicare Dentists: In general, Medicare only covers dental services if they are not covered in dental services, although there are some dentists that are medicare approved dentists and they will choose whether or not they want to provide the dental service to you.
Conditions For Dental Procedures: Medicare will also cover the extraction of teeth to prepare the jaw for treatment of cancer associated with radiation, and a dental examination before a kidney transplant. This is not always the best news, but it is some of the things medicare provides.
Medicare Advantage Plans: Some medicare Advantage plans cover dental services. A Medicare Advantage plan, also known as Medicare Plan C, is a health insurance plan offered by a private insurance company that offers all your Medicare coverage. This will sometimes include dental.
How Medicare Advantage Works: In most cases, you pay a monthly premium to the insurance company, in addition to your Medicare premiums for this coverage. Plans vary between states and sometimes between counties within a state, but many offer dental coverage or discounts as a benefit, making plans attractive to some consumers.
Dental Medicare Advantage Plans: In most cases, however, dental Medicare Advantage plans offer only basic preventive care or they require significant deductibles or copayments. Medicare Supplement plans, also known as Medigap plans do not cover dental care.
Using Medicare Beneficiaries: While Medicare does not offer dental coverage, Medicare beneficiaries can acquire independent dental plans. For example, AARP offers several dental plans through Delta Dental. This can be very helpful for anyone that is need of dental coverage.
Discount Dental Programs: Depending on where you live and the policies of your dentist, you may be able to join a discount dental program or make a payment plan to cover the cost of dental services. This helps anyone that needs dental service and cannot afford it.
Benefits of Medicare Advantage Plans: Medicare advantage plans can be very beneficial because they allow you to access all the features of medical service so that way you do not have to worry about coverage, this is very nice because it allows you to have extra services that may not be available in the original medicare service.
Dental Care With Advantage Plans: One of the many benefits of medicare advantage plans is that you have access to dental services, this can be very beneficial because it allows you to be ensured that you have complete care and you can be even more mindful of your health in this way.