Dental health is essential in all walks of life and even more so as we get older.
A recent study even showed a direct correlation between bad dental health and Alzheimer's.
What if I told you that figuring out what Medicare covers when it comes to dental care isn't hard at all.
Today I will answer the question does medicare cover dental care and also discuss things like dental implants and dentures.
Does Original Medicare Cover Dental?
Original Medicare doesn't include coverage for any sort of routine dental care like:
Usually you can only get covered if you have a dental emergency or certain complicated cases.
You are probably going to need a dental plan and below we discuss a few different options.
Are There Any Medicare Dental Plans?
While Medicare doesn’t offer a stand-alone dental plan, you can get one through a Medicare Advantage plan.
Medicare Advantage is offered through private insurance companies and offers the exact same coverage as Original Medicare and additional benefits past what you can find with only Original Medicare.
Just remember that each Medicare Advantage plan will work differently depending on the company so it is best to review the plan to know exactly what it will cover and if there are any waiting periods.
Does Medicare Cover Implants
Unfortunately, Original Medicare doesn't cover dental implants; however, there are some Medicare Advantage Plans that may cover it.
Like all dental issues, Original Medicare would only cover an implant if it was considered medically necessary.
While having oral surgery might match that description, it's hard to think of a time when having an implant would match that criteria.
This is because a dental implant is a structure in the mouth anchored to the jawbone.
You usually get implants to replace teeth that you have lost.
Will Medicare Cover Dentures
Unfortunately, Original Medicare doesn't cover dentures; however, there are some Medicare Advantage Plans that may cover it.
Like all dental issues, Original Medicare would only cover dentures if it was considered medically necessary.
Just like with dental implants, it's hard to think of a time when obtaining dentures would be medically necessary.
Will A Medicare Supplement Plan Cover Dental?
A Medicare supplement plan is all about covering the (gap) in coverage you might have when dealing with Original Medicare.
It will help cover the cost of things like co-payments, deductibles, and co-insurance; however, these policies usually do not add additional benefits.
If Original Medicare doesn't cover it, then a Medigap plan won't cover it either.
Therefore you won't find additional coverage for things like dental care.
Medicare Supplement would usually only cover dental procedures in emergency or complicated situations, such as if you were hospitalized and needed oral surgery.
Get A Stand Alone Dental Plan
In all honesty, your best option may be to purchase a stand alone dental plan like dental insurance or a dental discount plan.
If you go with a dental discount plan you get to avoid annual maximums and waiting periods but you can only go to a dentist in-network.
If you go with a dental insurance plan you get to choose any dentist you would like; however, there will be annual maximum limits and waiting periods.
Either way, taking care of your dental health is super important and bad dental health can lead to overall bad health in general.
As you can see, it really depends on your specific situation if Medicare will cover your dental care.
There are also instances where you will probably need a stand alone dental plan.
Senior Benefit Service has been in the Medicare business for over 50 years and understands your concerns.
To make sure everything is understood correctly, give a Senior Benefit Expert a call today!