Fun fact; no one in the world has teeth just like yours.
You owe yourself investing in a dental health insurance plan that keeps your pearly whites looking great. The right dental plan will be able to pay for some of the most expensive procedures, so you can keep living the lifestyle you love.
Since there are so many different insurance plans, it can be challenging to find the best one to meet your needs and budget. To help you narrow down your choices, we’ve created this short guide all about Medicare dental coverage.
What exactly is Medicare dental insurance, and what can it pay for? Read on to find out.
What Is Medicare Dental Insurance Coverage?
What is Medicare Dental coverage? It’s a special insurance option where Medicare is willing to pay for specific types of dental services. To be eligible, the services have to be part of a covered procedure.
For instance, when you have the right plan in place, Medicare can make payments for different types of oral examinations. The value of dental care doesn’t determine the coverage. Instead, the specific service the dentist is performing determines coverage eligibility.
What Does Dental Insurance Pay For?
You can use your Medicare dental coverage to help pay for all of your cleanings. To keep gum disease away, you’ll want to schedule at least 1 cleaning every year. In a lot of cases, biannual cleaning is the best choice.
Regular cleanings, x-rays, and oral exams can all fall under your dental coverage. Depending on your plan, anesthesia, root canals, fillings, and crowns are also eligible for coverage.
Dental Savings vs. Dental Insurance
As you continue exploring Medicare dental coverages, you’ll notice savings and insurance plans. Both savings and insurance plans are a great way to supplement medical costs.
However, it’s essential to understand that a savings plan isn’t a type of insurance. Instead, savings plans are a way for you to build up funds while also qualifying for special discounts.
There isn’t any waiting period when you sign up for a dental savings plan. You can get help right away.
Differences Between Indemnity PPO and HMO
You can split insurance plans into 3 categories; PPO, HMO, and indemnity. Each plan has its own benefits that are worth looking into. Take your time as you weigh the pros and cons of each option.
Indemnity Plans
Indemnity plans will give you the best options when it comes to choosing dental care providers. However, your insurance carrier will only pay for the dentist’s services after they receive a bill.
When you have an indemnity plan, you’ll still have to pay upfront for your visits. However, the indemnity plan will reimburse you in time.
Managed Care Plan
On the other hand, if you move forward with an HMO or PPO plan, you’ll be choosing a type of managed care insurance plan. Managed care insurance plans come with pre-negotiated rates. Overall, a managed care plan means fewer out-of-pocket expenses.
Understanding Medicare Dental Coverage
Now you know all about Medicare dental coverage, and how the plans operate. After reading this article, what plan do you think is right for you?
If you’re still not sure, we can help you make the right choice. Here at FutureWise, we’re on a mission to help customers find the best coverages possible. Since we work with all of the major insurance carriers, we can give you the best choices available.
Are you ready to find a dental insurance plan that covers all of your needs for years to come? Reach out to us for a free insurance quote!