Medicare Advantage Dental Plans
Original Medicare Doesn’t Cover Dental Care
Medicare Advantage plans may cover dental care. However, Original Medicare does not cover most dental care including dental procedures, supplies, and cleanings. Moreover, it does not cover tooth extractions, dentures, dental plates, and dental devices. While you are a hospital inpatient, Medicare Part A will pay for certain dental services.
Medicare Advantage Plans covers dental care: There are many private insurance carriers which offer Medicare Advantage Plans. Since these plans are not standardized, the coverage and benefits vary from plan to plan. Therefore, it’s best to shop advantage plans using a broker who can shop and compare a number of advantage plans. Senior Healthcare Direct is a nationwide Medicare Advantage insurance broker. Our licensed agents can shop Medicare Advantage plans so you can choose the plan that best suits your needs. You can speak directly with a licensed agent by calling 1-833-463-3262, TTY 711.
Stand-Alone Dental Plans vs. Dental, Hearing and Vision Plans: If you do not need vision or hearing plan, then you might consider a stand-alone dental plan. These plans are network based like a PPO. So you get benefits for seeing providers in the network. You will usually pay a copay at the time of service and your insurance will pay a portion of the usual and customary fee for dental services. What is the best dental plan for seniors? Aetna is rated as the best overall plan according to The Senior List. Aetna offers a range of dental insurance policies to help keep your teeth in good condition.
What is the best combined plan for seniors? Manhattan Life Assurance combines dental, vision, and hearing coverage. This plan has no network restrictions, so you can receive care from your favorite dental, vision, and hearing provider. You choose your own dentist, optometrist, and audiologist. Since you can use this plan at any provider’s office, it is the best dental, vision, and hearing plan. In addition, Manhattan Life Assurance plans also include the following benefits:
Affordable Guarantee issue for all ages 18 – 85
Guaranteed renewable for life
Family rates include up to 3 children
Manhattan Life Assurance also has no waiting period for preventive services. For example, you can get a dental cleaning and x-ray right away. Thereafter, you can receive dental cleanings every six months. In addition, there is no waiting time for tooth fillings and extensions. However, you will need to wait 12 months for major dental work, such as bridges, crown work, partials, and root canals. Lastly, if you're only in the market for vision coverage, Manhattan Life Assurance vision plan also pays for eye exams immediately. In addition, the plan pays for eye glasses, contact lenses, and frames after six months. And since there is no network, you choose the optometrist you want.
Plan Cost & Coverage
You only pay $100 annual deductible. Plan coverage improves over time. For example, the plan pays 60% in first year, 70% in second year, and 80% after 24 months. Annual benefit coverage of $1,000 and $1,500 is available. In addition, fully insured hearing benefits are a part of all plans. YM10052102