Did you know traditional Medicare does not cover routine dental care? It’s true!

Original Medicare (Part A and Part B) will only pay for certain dental procedures that are related to other covered medical services. For example, if you were in an accident and need emergency jaw reconstructive surgery, Medicare may pay for a portion of the dental work.

But Original Medicare will never cover things like crowns, fillings, or root canals.

Still many people are unaware of their dental coverage options once they transition to Medicare… but there are several ways you can get dental coverage if you have Medicare!

Employer Coverage

Does your employer (or your spouse’s) allow you to keep your dental coverage once you retire? If so, it may be worthwhile to keep the coverage in place to keep your pearly whites shining bright! Be sure to ask your benefits administrator about any coverage changes once you become Medicare eligible.

Medicare Advantage Plans

Medicare Advantage plans are a type of health plan that replaces your Original Medicare. Often these plans offer additional benefits like Dental coverage in the form of insurance or a reimbursement policy (sometimes at no additional cost!).

Medicare Supplement Plans (Medigap)

In some areas, Medigap carriers include dental benefits in their plans which are often called “innovative”, “enhanced” or “extra” plans. These plans may have a much higher premium than a normal Medicare Supplement plan or charge a separate premium for the dental plan, so be sure to look at the outline of coverage before you purchase them to see the breakdown of coverage and costs.

Dental Discount Plans

Discount plans are not actual insurance, but they can still save you money on services if your providers accept it. With a dental discount plan you pay a monthly fee in exchange for discounts on dental services with participating providers.

Dental Insurance

If none of the other options interest you, you can still opt to purchase stand-alone dental insurance. You can buy this coverage anytime during the year, but if you need major services right away, some plans do have a waiting period. Dental insurance typically operates like traditional insurance- you’ll have a plan network, monthly premium, copays/coinsurances, and a deductible.

As you can see, there are many ways you can get help paying for your dental cleanings, oral exams and x-rays. At AMAC, we are proud to offer our clients a variety of dental benefit options.

Do you want to compare prices, plans, or see if your dentist is in network? Simply give us a call today at 855-611-4856!

Our licensed advisors can do a quick search and provide all the information you need to pick the right plan for you.