Finally, getting a Medicare health plan that’s right for you can be a big relief, and you may be tempted enough to quit after selecting your medicare plan. But don’t forget about your oral health!
Maintaining dental health can be more challenging for seniors and people with certain disabilities. It may be due to an inability to brush their teeth properly or increased use of medications. Moreover, as we grow older, our teeth become less sensitive. Hence, we may not feel a problem until it is too late to notice. All these factors make it even more vital to protect your dental health as you age.
Visiting the dentist’s clinic every six months for a preventive exam and cleaning is the standard recommendation. Most standard dental insurance plans cover preventive services such as cleanings, exams, fluoride, and even sealants. Diagnostic X-rays are also covered at 100 percent or slightly less at set intervals. Without insurance, routine preventive visits may cost barely less than $100 to as much as $300.
Unfortunately, Original Medicare insurance Parts A and B do not include coverage for services like cleanings, fillings, dental exams, crowns, dentures, or bridges. However, there are some exceptions, like when a hospital stay is involved, but you would have to pay out of pocket for any routine dental services in other cases. For some of us, those expenses could make a hole in our pocket.
Luckily, there are several ways for people with Medicare to reduce the cost of routine dental services, such as:
Choose a medicare advantage plan
Some Medicare Advantage plans, for instance, Part C, include benefits like routine dental, prescription drugs, and vision coverage. There are quite a few medicare plans to choose from, with a wide range of premiums and coverage choices.
Therefore, while choosing, be sure to consider your current and future requirements. For instance, if you have dentures or think you may need them in the near future, look for a Medicare Advantage plan covering dentures. For this, you may like to connect with the best Medicare Agent in Ohio to guide you and help select a beneficial plan.
Consider a stand-alone dental insurance plan.
You can purchase a dental-only insurance plan. For that, you’ll have to pay a monthly premium, but lower out-of-pocket fees will offset the cost. Most of these dental plans require you to see an in-network dentist who may offer lower rates than the out-of-network providers.
Some plans may let you go to any dentist (in or out of network), but you may have to pay more for their services. It is advisable to consult with a renowned Medicare Broker in Ohio before taking any final decision.
Join discount Dental Insurance Ohio
Likewise a shopping club, you pay a specific amount of fee that entitles you to avail yourself of discounted rates from a certain group of dentists. You make a monthly or annual payment for the plan and then pay a discounted rate directly to the dentist for any services you receive from them.
See if you can enroll in your spouse’s dental insurance plan.
If a group plan covers your spouse through his or her employer, you may also qualify for coverage. It will enable you to avail most of the benefits of dental insurance.
While Medicare does not cover routine dental services, dental coverage is still an essential part of protecting your overall health. Thankfully, there are a number of options for finding the coverage you need.
Whether you choose a Medicare Advantage plan, a stand-alone dental plan, or one of the discount plans available in your area, please take the time to find a plan that fits your needs and protects your dental health.
One of the best approaches to pick the right dental insurance for you is to find the Best Medicare Agent in Ohio and take advantage of his/her expertise in your favor. Agents very well understand the ins and outs of Medicare and can find you a plan that serves your needs within your budget.
In addition, an experienced and skillful agent helps you compare the plans based on the price and benefits it offers and guide you precisely on which one to go for. This way, you get the best and stay protected from future emergencies!