As we get older, dental needs tend to increase — and so do the costs. That’s why dental insurance is such an important piece of your overall healthcare coverage. In the past, dental plans were known for offering limited benefits. But today’s policies have improved dramatically, providing broader coverage and higher annual benefit amounts. For seniors, it’s worth taking the time to explore your options and see what fits best.
Two Main Ways Seniors Get Dental Coverage
If you’re over 65, you can get dental coverage in one of two ways: by purchasing a private individual dental policy or by enrolling in a Medicare Advantage plan that includes dental benefits, as follows:
Purchase a Stand-Alone Individual Dental Policy
If you opt for a private individual dental policy, you’ll pay a separate premium, and coverage can vary widely. Some plans also offer no waiting periods, and a few even provide unlimited benefits. However, it’s important to look closely at the details, particularly when it comes to implant coverage which may not be included in all plans.
Choose a Medicare Advantage Plan That Includes Dental Benefits
Under Medicare Advantage plans, dental coverage is typically included as part of your overall plan. These benefits usually come with a network of participating dentists, so it’s important to make sure your preferred provider is in-network. One advantage is that most plans don’t have waiting periods, meaning you can use your benefits right away. Coverage amounts can be generous, often between $2,000 and $4,000 per year.
Talk With an MBhealth Agent
Because dental plans and benefits change each year, it’s wise to review your coverage regularly, especially during Medicare’s Open Enrollment period. This is the perfect time to compare new plan options, assess your dental needs, and make sure you’re getting the most value for your money.
If you’d like help reviewing your dental insurance options or comparing plans, our licensed agents are here to assist. Call us at (314) 544-5400 or visit mbhealth.com to get started.
