Dental implants can be a major expense for seniors, and many wonder if Medicare covers them. The short answer is that Original Medicare (Part A and B) doesn’t, but there is hope with Medicare Advantage (Part C) plans. Let’s dive into what you need to know about getting dental implants covered by Medicare Advantage.
Medicare advantage plans, also known as Part C (see link above), are offered by private insurance companies that are approved by Medicare. These plans have to provide the same coverage as Original Medicare but they often go beyond that. Many medicare advantage plans offer extra benefits, including dental, vision, and hearing coverage.
The thing to remember is that not all medicare advantage plans are the same. The benefits you get depend on the specific plan you choose and where you live. So, if dental implants are what you’re looking for, you’ll want to pay close attention to the details when comparing plans.
While it is more common for medicare advantage plans to cover things like routine dental care, such as cleanings, exams, and X-rays, some plans also include coverage for major dental services like crowns and dentures and even implants. However, not every Medicare Advantage plan covers dental implants, so you’ll need to do some research to find the right one for you.
Here’s how to start
– Check Your Current Plan: If you already have a medicare advantage plan, it’s a good idea to check what dental services are covered. You can call your provider or review your plan’s Summary of Benefits to see if implants are included.
– Compare Plans: If your current plan doesn’t offer coverage for implants, you can compare other Medicare Advantage plans. During open enrollment (which runs from October 15 to December 7 each year), you can switch plans if you find one that better fits your needs.
– Ask the Right Questions: When comparing plans, ask whether they cover implants specifically. Some plans may only cover part of the cost or require you to use a network of dentists. Be sure to get all the details before making a decision.
Even if you find a medicare advantage plan that covers dental implants, it is important to understand that coverage does not always mean the procedure will be free. In many cases, these plans cover a portion of the cost, and you’ll still need to pay some out-of-pocket expenses, such as deductibles or copays.
The good news is that the portion you have to pay could be significantly lower than if you were paying for the procedure without any insurance at all. Dental implants are expensive, so even partial coverage can save you thousands.
If dental implants are something you might need down the road, it’s also worth checking whether your Medicare Advantage plan covers other major dental services. Things like extractions, crowns, and dentures are often a big part of the process leading up to implants, so having coverage for these services could be just as important.
Getting dental implants covered by Medicare can be a bit tricky, but Medicare Advantage plans offer a way to get the help you need. Just remember, not all plans are created equal, so it’s important to do your homework. Compare plans, ask questions, and make sure you’re getting the coverage that’s right for you.
Dental implants can be a game-changer, and with the right Medicare Advantage plan, you may not have to face the full cost on your own.