Original Medicare does not include the type of regular dental services you most likely require, such as routine tests, cleanings, fillings, extractions, crowns, bridges, or dentures (including Medicare Part A for hospital coverage and Medicare Part B for medical coverage).
Medicare only offers coverage for serious dental needs that have a direct impact on your wellbeings, such as reconstructive jaw surgery following a car accident or the loss of a tooth that is directly affected by a jaw disease.
In addition, regular dental services are still not provided by Medicare Supplement plans (also known as Medigap). While their name would lead some to believe otherwise, Medicare supplement plans are explicitly intended to pay Original Medicare for the copay left behind and thus cover dental services exactly the same as above mentioned.
What are your options for dental coverage?
Insurance for Dental, Vision, and Hearing
These plans encourage you to use your coverage for dental, vision, or hearing services, just as the name suggests. Dental, vision, and hearing insurance usually offers a better deal than dental coverage alone, because when you bundle all three common services into one package, you are far more likely to make full use of your benefits every year.
Even if you do not already require vision or hearing services, you will also want to consider these types of policies, since they generally cost almost the same as dental insurance, and if and when you need vision and hearing services in the future, you will have extra
Medicare Advantage
Although the benefits are usually minimal, some Medicare Advantage Plans may provide coverage once or twice a year for regular dental services such as an examination, washing, or x-ray. To decide if such benefits will be appropriate for your needs or whether you will need to buy additional coverage, it is necessary to review the specifics of the dental coverage offered in the Medicare Advantage plan you choose.
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Dental Cards Discount
For those who want the lowest monthly rates available or urgently need major dental services, Dental Discount Cards provide a low-cost alternative. When you use a dental professional who participates in the program, dental discount cards simply provide you with access to reduced rates for dental tests, cleanings, fillings, and more.
Dental Insurance
For those looking for more full dental coverage, dental insurance is always the best choice. From regular maintenance to major facilities such as crowns, bridges, and dentures, these plans will cover anything. Since dental insurance is sold in a wide range of coverage and premium plans, it is also the best way to find a plan that fits your requirements and budget. In addition, you can enroll or change policies at any time of year without changing your other Medicare benefits because dental insurance is a separate "stand-alone" insurance program.
Recommendations
For every dollar invested, we at Medicare Service are all about having the most benefit. For this reason, we strongly recommend going with dental insurance that allows you to see any dentist you want no network) and allows you to use your full coverage for various services such as dental, vision, and hearing every year. Combining these two characteristics would allow you to get the most out of your plan every year, optimize your coverage, and help avoid having to buy extra coverage in the future.
Does Medicare Cover Dental Services?
The easy answer is no...
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