The truth about Medicare supplemental dental insurance
For many senior citizens Medicare supplemental dental insurance is a necessary part of their overall healthcare package. As you might know, Medicare offers extremely limited dental programs and most senior citizens cannot supplement the coverage they need from their own pocket. One of the only avenues that senior citizens can take is to get supplemental insurance. The good news is that there is a wide array of Medicare supplemental dental insurance providers with a whole host of plans and packages to accommodate the specific needs of their varied clientele. One of the best ways to find the most fitting package is online, dental Medicare supplemental plans are specifically outlined in most of the companies that we are partnered with.
Dental care and Medicare
Before going out and buying Medicare supplemental dental insurance, it is essential that you understand what you’re regular insurance plans cover. As we spoke about, Medicare unfortunately does not cover very many services when it comes to dentistry and orthodontics. This is often a big pitfall for many senior citizens as they do not understand the vast limitations of their plan and go into the dentist assuming that their expensive treatments will be covered. The truth of the matter is that Medicare typically only covers major issues in dentistry and does not include regular standardized dental or orthodontic exams. Surprisingly it also does not cover many of the standard services that come with dentistry. Medicare says that they will cover services that are tied to an already covered ailment, which often tie into complicated procedures that are needed for other pre-existing conditions.
To illustrate this point here is an example.
Say for example your Medicare insurance would pay for an oral exam that would precede a major kidney surgery or a tooth removal that is related to your radiation treatment. But, it would not cover a non-medical cavity filling or sub-lingual root canal, not to mention a routine oral examination which should be performed every four months. In this respect the fine line between maintaining positive oral health and saving money becomes blurry. More often than not medical needs are shelved because of the expenses that Medicare does not cover. When dental expenses do not reside under the umbrella of you regular Medicare plan a supplemental insurance package is necessary in order to maintain positive oral health.
How to understand your supplemental medical insurance
The first thing to understand is that Medicare supplemental dental insurance is quite different from regular supplemental packages for Medicare. Supplemental Medicare packages, known as Medigap, refused to cover almost all dental services period. Also, quite different from Medigap, Medicare supplemental dental insurance packages are not systematically standardized with the preset ratio of dental plans that Medigap possesses. Rather than allowing patients to choose from the instantiated number of policies, Medicare supplemental dental insurance companies choose their own packages and set their own prices. This independent non-negligible dynamic creates the necessity for patients to do their own research and find the absolute best rate possible and most comprehensive packages.
In this vein a supplemental insurance policy can really help you cover many of these types of services. For example, services such as your cleaning, x-rays, cavities, crown preps, buildups, denture creation or restoration, and veneers are usually covered at about 50%. Doing your own research in this respect provides you with the ability to compare the rates and policies of all your local companies.
How to choose the best provider for your needs
With so many companies vying for your business finding the absolute best Medicare supplemental dental insurance can take some time and perseverance. First and foremost price is usually the most important factor, but there are also other factors that can affect your decision. One thing to consider is that you should find a company that covers your regular dentist, or at least covers a dentist in your area. A fantastic package can quickly become mute if you have to drive an hour just to see your dentist. Another important factor to consider is customer service. Finding a company with a strong regard for customer satisfaction should be an important standard when choosing the right provider for your specific needs. You will have questions and you should have a company that is willing to answer them whenever you call. This will help ensure that you chose the right package and you properly understand what you’re insurance provides.
The specific type of company that you choose is also an important factor. Some senior citizens choose independent plans that accommodate many different types of patients who cannot receive coverage through their jobs either because they work for themselves or because the specific policy that they need is not available in their industry. Others choose policies that are aimed towards retirees or senior citizens. These niche policies carry with them higher monthly rates but on the other hand they are more likely to offer services that are more relevant to senior citizens. This includes implant services and prosthodontics. Since a patient’s oral health is one of the most essential parts of overall health, finding the right dentist that you trust while at the same time finding an insurance provider that covers that specific dentist should be your primary objective.
With all that said, Medicare supplemental dental insurance has already helped hundreds of thousands of senior citizens from a wide variety of financial backgrounds enjoy affordable and high-quality medical coverage. The first step is to understand what your original medical supplement package includes when it comes to your oral health. You can then take that package, find out exactly what you need, see what is and is not covered, and then choose the right supplemental insurance policy for your situation. Fortunately a wide variety of dentists accept Medicare supplemental dental insurance plans for senior citizens so it is highly likely that you will find the perfect match on this website.