Medicare agents, better plan for your Medicare clients
Seniors may not know the level of dental care they need in the future, and sometimes, interpreting Medicare benefits can be almost as challenging as reaching those back molars. Let’s keep things simple and find the best dental insurance plan for the well-earned future you deserve.
Original Medicare does not cover routine dental care (exams, cleanings, fillings, dentures), covering only dental services related to specific, necessary medical treatments. To get coverage, recipients typically use Medicare Advantage (Part C) plans with dental benefits or purchase stand-alone dental insurance/dental savings plans.
Key Dental Options for Medicare Recipients: let’s face it are not that good and have low annual maximums.
Key Considerations:
Waiting Periods:
Standalone plans often have waiting periods (e.g., 6 months for basic, 12 months for major services).
Annual Maximums:
Many plans limit their total annual payout (e.g., $1,500–$5,000 per year).
Coverage Levels:
Preventive is usually 100%, basic 80/20, and major services 50/50.