The teeth are the only organ in the body that doesn't regenerate. As multiple diseases such as heart issues, diabetes and osteoporosis are linked to oral health it's extremely important to take good care of your teeth. The problem is that dental care is expensive, dental insurance addresses this problem.
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Dental insurance helps save on dental care costs
Dental issues are among the common health concerns seniors face - and the issues cost a lot of money. Most health insurance plans do not cover dental care or only provide minimum coverage. As a result, many seniors avoid dental visits because of the high costs of dental care. However, seniors should not worry about the costs of dental care. Why? Because they can easily shop for affordable dental insurance plans.
Having dental insurance can be cheaper than paying out of pocket for dental care. With dental insurance, seniors have to pay premiums, but they have dental visits for free. Similarly, dental insurance can cover up to half of standard dental care costs and around 20% of restorative care charges.
What does Dental Insurance Cover?
With just a small premium, one can receive coverage for preventive dental care, routine check-ups, and cleaning at no additional cost. Seniors can save significantly if they require procedures like fillings or root canals, or any other dental work like bridges. Seniors with insurance only pay a portion of the cost of the procedure.
The main concern for seniors is getting appropriate and affordable dental insurance. Like health insurance, this can be tricky. Fortunately, dental cover is structured into plans. For example, there is DHMO, which requires a senior to choose one dentist to coordinate all dental services. There is also PPO and Fee-for-Service. This last service offers a network of facilities and dentists where seniors can receive dental care.
Where can you find medicare dental plans
As mentioned at medicare.gov Medicare doesn't offer dental plans that go alongside the original Medicare. However, Medicare Advantage is a way to get dental coverage on top of Part A and Part B benefits. Coverage varies among the different provides, as Medicare Advantage isn't provided by the government. However, plans might cover the following:
1. Routine Dental Services
2. Diagnostic Services
3. Oral Surgery
4. Restorative Services
5. Periodontal and Prosthodontics
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