With all the different types of Medicare available, understanding what is covered and what is not can be very confusing. For instance, if your main concern is preserving your oral health, you should check to see if Medicare covers most dental care and what options you have. Contact SBI Benefits today at 702-242-3200 to schedule an appointment with our insurance agent in Las Vegas, Nevada, to discuss dental coverage with Medicare.
Does Medicare Cover Dental? +
Yes and no. In most cases, Original Medicare will not cover most dental care including fillings, extractions, dentures, cleanings and X-rays. However, there are ways obtain dental coverage under other Medicare plans.
Which Medicare Covers Dental? +
The Medicare Advantage Plans, also known as Medicare Part C, involve Part A and Part B to form one comprehensive plan. These are offered through private insurance companies approved by the government’s Medicare program. Such plans may also provide extra programs and benefits not covered by Medicare, comprising dental coverage. Some plans may also include Part D prescription drug coverage and vision.
Even if you find a Medicare Advantage Plan suitable for your needs, they work similarly in cost and coverage to traditional health plans. These include:
- POS plans
These all involve deductibles, copays and coinsurance. Please be aware not every Medical Advantage Plan will not cover dental plans. So read carefully what the details of the plan entails..
If you desire to have dental coverage under Medicare, please make sure your Medical Advantage plan has this included..
Part A and B Medicare Dental Coverage +
Original Medicare is merged with Part A, which is hospital insurance, and Part B, which is medical insurance. The only time in which Original Medicare may cover dental work is when you have experienced a traumatic injury involving your jaw, teeth or mouth and you had to be hospitalized. Keep in mind that not all Medical Advantage Plans cover dental coverage, so please read all the details before you make a final decision.
Dental Services Covered by Medicare +
With Medicare and dental coverage, not all Medical Advantage or Part C plans will offer dental coverage. If one does, the coverage will cover basic care including:
- Dental cleanings
- Routine X-rays
- Tooth Extractions
- Dental Fillings
- And perhaps other services.
The dental coverage may also have limits on the number of the services it covers, which you should check when reviewing all the details of a Medicare Advantage Plan..