A Senior’s Guide to Dental Coverage

August 3, 2017

Protecting your teeth should always be high on your list of priorities with proper dental coverage, but even more so as you age.

Various factors play into the increasing vulnerability of your pearly whites. Medications can wreak havoc on your teeth and aging brings lessened sensitivity, which means you may not realize there’s a problem until it’s quite advanced. In addition, the health of your mouth has implications in your overall physical well-being.

Understanding the need for good oral hygiene and obtaining the proper dental coverage don’t always go hand-in-hand, but both are critical.

Dental Insurance and Medicare

Dental care isn’t covered by Original Medicare or Medigap plans. This means that adults over age 65 have to obtain dental coverage on their own.

A UROne insurance advisor can explain in more detail, but here are the basics:

  • Enroll in a Medicare Advantage Plan. These plans include dental coverage, as well as vision and prescription drugs. This type of dental insurance typically only covers teeth cleaning, bite-wing x-rays and general exams.
  • Invest in a standalone plan. These plans are obtained through a private insurer and don’t require any kind of coordination through Medicare. While they are usually affordable, they will require you to pay a separate premium.

Choosing the right option for you is important, but the answer isn’t always apparent. An experienced UROne Benefits advisor can help you figure out which plan will best suit your needs.

Contact us at 800-722-7331. We can help you understand and navigate health insurance, as well as find the right plan to suit your needs and your budget.