What kinds of medicare dental insurance plan can you have?
In the Medicare plan (Part A and Part B), the medicare dental insurance plan covers a hospital in-patient with illness or injury around the face, jaw, or mouth for dental care occurring before primary condition treatment (including preventive exams). However, not covered are dental costs after completing the primary condition treatment or if oral surgery is purely for general dental health.
In the Medicare Advantage plan (Medicare Part C), private providers cover preventive care like exams and cleaning, basic care like extractions and fillings, primary care like root canal and crowns. Each provider defines if dental is covered, what is covered, extent covered, the premium charged, and cost allowance.
The third option in the medicare dental insurance plan is the Medigap plan (Medicare Supplemental plan). It bridges the costs of Medicare Part A, and Part B. Medigap plan essentially helps pay for Medicare plan deductibles, copayments, and coinsurance, but not for routine dental care. You can subscribe to either Medicare Advantage plan or Medicare Supplemental plan, but not both.
Alternatively, a standalone dental insurance plan would cover all dental care needs, but you need to pay a monthly premium and visit doctors listed in the network. For essential services like x-rays, extractions, and fillings, you bear up to 20% of the costs, while for major services like a root canal, crowns, dentures, and implants, you bear up to 50% of the costs. However, preventive care like annual exams and cleanings is free of charge.
If you need a medicare dental insurance plan, our experts at www.askhpm.com will help you with the right coverage.