Original Medicare covers very little dental care. Medicare Advantage plans offer more options. Let's explore how to manage your oral health during retirement.
JP
by Jeremy Patterson
Understanding Medicare's Dental Limitations
Original Medicare (Parts A & B)
Typically doesn't cover routine dental care or procedures.
Limited Exceptions
Only covers dental work needed for medical treatment, like oral cancer.
Medicare Advantage
Many Part C plans include some dental coverage.
Medicare Population
In 2023, 63 million Americans relied on Medicare benefits.
Medicare Advantage Dental Options
Preventive Care
Cleanings, exams, x-rays
Basic Procedures
Fillings, extractions, root canals
Major Services
Crowns, bridges, dentures
Most MA plans cap dental benefits at $1,000-$2,000 annually. Network restrictions and cost-sharing apply. Nearly 93% of plans include some dental coverage.
Employer-Sponsored Dental Plans
Benefits
Group rates often lower than individual plans
Familiar provider networks
Simplified enrollment process
Considerations
Coverage varies widely between employers
COBRA extension limited to 18 months
May have higher premiums after retirement
Individual Dental Insurance Plans
Research options
Compare plans at askmhc.com. Select Dental Plan Finder to find the right plan for you!
Check Plan Options
Many plans cover Preventative and Comprehensive Services.
Analyze cost-benefit
Evaluate premiums against expected dental needs
Premiums vary by location and coverage level.
Government Assistance Programs
Medicaid
Covers basic dental in some states for low-income seniors
State Programs
Some states offer special dental assistance for elderly
Donated Services
Programs like DDS provide free care to qualifying seniors
Community Clinics
Federally qualified health centers offer sliding scale fees
Alternative Payment Strategies
Dental Savings Plans
Membership programs offering 10-60% discounts on procedures. No annual maximums or waiting periods. Annual fee typically $100-$200.
Dental Schools
Student dentists provide care at reduced rates under supervision. Quality care but appointments take longer. Services may be 30-50% cheaper.
Healthcare Accounts
Use HSA or FSA funds for tax advantages on dental expenses. Save money while maintaining quality care.
Resources For Finding Coverage
Website: www.askmhc.com
Dental Plan Finder: You will find comparison tools and enrollment options.
Call: 318-470-2537
Speak directly with Jeremy for personalized guidance.