If you have been paying out-of-pocket for your routine dental care, you may want to consider enrolling in a Medicare Advantage (MA) plan that includes comprehensive coverage. Many Medicare Advantage plans include dental care, including regular check-ups, cleanings, fillings, extractions, and more.
As we age, our needs can change. When you first signed up for Medicare, you may have chosen to get your Part A and Part B benefits through Original Medicare. Unfortunately, Original Medicare includes only limited dental coverage, which usually relates to medically necessary procedures, like oral surgery, under certain circumstances. You may also be currently enrolled in a Medicare Advantage plan that includes minimal dental care – or none at all.
Switching to a Medicare Advantage plan with the comprehensive dental care you need can save you money, but how do you find a plan with the benefits you need at a price you can afford?
Review the plans available in your area and compare them side by side. You may find a plan that provides you with the benefits you want for little-to-no additional cost.
When can you switch to a Medicare Advantage plan that will lower your dental expenses?
You can make changes to your Medicare healthcare coverage during an enrollment period, including:
- AEP – The Annual Election Period form October 15-December 7 each year allows you to switch Medicare plans, drop Original Medicare and enroll in a Medicare Advantage plan with better dental care. Your new coverage would take effect on January 1.
- The Medicare Advantage Open Enrollment Period – This period between January 1-March 31 give current MA plan enrollees a chance to make one change and switch to another plan.
- Special Enrollment Period – If you experience a certain life event, like moving out of your current MA plan’s service area, you may qualify for an SEP.
Why is routine dental coverage so important?
Regular visits to your dentist can be important to your overall health. Many teeth or gum problems may be signs of a more serious health problem that, detected early, can be treated quickly. Plus, you never know when a dental problem could occur. If you don’t have dental coverage right now, you may have already realized that unexpected dental procedures can be costly.
Why not explore the Medicare plans available that could give you the benefits you have now, plus the dental care coverage. It may save you money and get you access to the dental care you deserve to stay healthy.