Many people assume that Medicare covers dental care. The truth is that Medicare only covers dental services in very specific instances. Many US seniors have no plan to care for their teeth and mouths. In my opinion, this is a very important part of overall health too.
Most coverage under the federal plan will only serve those who need dental care because of an illness or injury. It will not cover normal and routine services like x-rays, cleanings, and crowns. These are not part of original Medicare at all.
This is a big probem. And it is not just a problem that Medicare beneficiaries, like the elderly or disabled people, have. It affects 100 million people in the USA.
Now there may be some Medicare Advantage plans with some dental benefits. There may also be some other supplemental insurance that these people could buy. But they cannot rely on the current system for any help here. Others may also have coverage from a retirement health plan from work or another resource.
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You can always consult the Medicare website. It is a great resource for comparing benefits from the original plan, plus supplements and other types of coverage. You can also contact your private insurer for answers. You should be able to find out what sort of dental benefits you have, or sadly, do not have.
Those who do not have any dental coverage do have some choices. There are plenty of private dental insurance companies, but that will mean paying a premium. There are also low cost dental discount plans that can help you contain costs. Finally, there are some private charities or community based foundations that may provide low cost clinics for elderly people. Dental insurance can be expensive, and may still leave you with lots of uncovered expenses. Dental discount plans are cheaper, but they are not insurance. A low cost dental clinic for elderly people may be a good choice if there is one in your neighborhood.
We also have information on life insurance for older people and final expense insurance rates. Check here for free reprint licence: American Medicare And Dental Care.