Dental Plans For Seniors
Seniors can get dental care with a Medicare Advantage plan. These plans may include dental, vision, and hearing benefits that original Medicare does not cover.
Medicare Doesn’t Cover Dental Care
Original Medicare does not cover most dental care including dental procedures, supplies, and cleanings. Moreover, it does not cover tooth extractions, dentures, dental plates, and dental devices. However, Medicare Part A will pay for certain dental services while you are a hospital inpatient.
Medicare Advantage Plans
There are many private insurance carriers which offer Medicare Advantage Plans. Since these plans are not standardized, the coverage and benefits vary from plan to plan. Therefore, it’s best to shop advantage plans using a broker who can shop and compare a number of advantage plans. Senior Healthcare Direct is a nationwide Medicare Advantage insurance broker. Our licensed agents can shop Medicare Advantage plans so you can choose the plan that best suits your needs. You can speak directly with a licensed agents by calling 1-855-368-4717
In addition to dental care, Medicare Advantage plans may include other benefits such as routine vision and hearing.
Why Are Dental Checkups Important?
Regular dental checkups are essential to keeping your teeth clean and healthy. When you get dental checkups every 6 months, you reduce the chance of long-term dental problems. For example, professional dental cleanings help to get rid of hard-to-remove plaque or tarter which builds up even with regular at home brushing and flossing.
Dental Exams Decrease Your Risk of Disease
When a dentist catches dental issues early, they can be easier and less expensive to treat. However, letting dental problems linger can result in more complex and expensive procedures. Therefore, regular dental exams can save you money!
Furthermore, regular dental checkups helps prevent cavities and gum disease by removing tarter and plaque buildup. During your dental exam, the dentist checks for a number of issues:
- Oral cancer
- Tooth decay
- Gum Disease
- Tooth grinding
- Alignment problems
Moreover, your dentist can detect signs of more than 120 diseases including diabetes and heart disease.
Stand Alone Dental Plans
If you do not need vision or hearing plan, then you might consider a stand alone dental plan. These plans are network based like a PPO. So you get benefits for seeing providers in the network. You will usually pay a copay at the time of service and your insurance will pay a portion of the usual and customary fee for dental services.
What is the Best Dental Plan for Seniors?
Aetna dental plans for seniors is rated as the best overall plan according to The Senior List. Aetna offers a range of dental insurance policies to help keep your teeth in good condition.
The Best Dental, Vision, and Hearing Plan
Manhattan Life Assurance is a stand alone plan that combines dental, vision, and hearing coverage. This plan has no network restrictions. So you can receive care from your favorite dental, vision, and hearing provider. You choose you own dentist, optometrist, and audiologist. Since you can use this plan at any provider’s office, it is the best dental, vision, and hearing plan. In addition, Manhattan Life Assurance plans also include the following benefits:
- Affordable Guarantee issue for all ages 18 – 85
- Guaranteed renewable for life
- Family rates includes up to 3 children
Manhattan Life Assurance plan has no waiting period for preventive services. For example, you can get a dental cleaning and x-ray right away. Thereafter, you can receive dental cleanings every 6 months. In addition, there is no waiting time for tooth fillings and extensions.
However, you will need to wait 12 months for major dental work. For example, bridges, crown work, partials, and root canals.
Manhattan Life Assurance vision coverage pays for eye exams immediately. In addition, the plan pays for eye glasses, contact lenses, and frames after 6 months. Since there is no network you choose the optometrist you want.
Plan Costs and Coverage
You only pay $100 annual deductible. Plan coverage improves over time. For example, the plan pays 60% in first year, 70% in second year, and 80% after 24 months. Annual benefit coverage of $1,000 and $1,500 is available. In addition, fully insured hearing benefits are a part of all plans.
Learn More about Dental Vision and Hearing Plans
You can buy a dental plan for seniors today and use it tomorrow! You have the option of choosing from a Medicare Advantage Plan or Stand Alone Plan. Find out which plans are available in your state by calling Senior Healthcare Direct at 1-855-368-4717. Otherwise, you can get a quote by clicking the button below.