When people reach retirement, they often lose eligibility for their benefits package from their employer. Oftentimes early retirees think that, like health insurance, personal dental insurance costs will be high when they are faced with buying their own coverage. There are many affordable personal dental insurance plans available for those looking to buy their own plans when they retire. Also when they turn 65, they enroll into Medicare. Medicare includes hospital and medical insurance with Part A and Part B, but generally lacks traditional dental benefits.
As we age, our dental care needs change. Seniors may need more restorative care to ensure a healthy smile. Advancing age puts many seniors at risk for a number of dental and oral health problems, such as:
Are you approaching Medicare age or are you currently enrolled in Medicare and wondering what your options are for senior dental insurance coverage? Medicare will not cover dental care that you need primarily for the health of your teeth, such as cleanings fillings, root canals and dentures – Medicare covered dental services. This is a very common question as seniors retire, and are required to take care of your own dental expenses. There are basically 3 options: Buy your own personal dental insurance plan, possible have coverage as part of your Medicare Advantage plan, or self insure.
Those enrolling for Medicare in the upcoming open enrollment period should consider how they are going to handle paying for dental services. Those seniors covered by Medicare, the national health insurance plan for those over 65, have specific benefits varying by which Medicare plan they are enrolled in. Nevertheless, these plans offer little in the way of dental insurance benefits. Retired people are the least likely to have dental benefits according to the National Association of Dental Plans. Medicare offers only specific dental services
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