With Medicare Annual enrollment now just a few days behind the writing of this article, I can tell you that, “What about Dental Insurance” became the number one question trending in my appointments, and there were a lot of appointments.
So, here is a check list of 5 things to consider when deciding whether or not you should get a dental plan.
1. It’s a commitment. Dental plans need to be in force for a full year to get coverage on major benefits such as crowns and implants (implants are covered by very few plans)
2. Have a dentist you like? Then when considering what insurance carrier to go with, call them and ask them who they are in network with and which carrier pays the best and is the easiest for them to work with.
3. Purchasing a PPO dental plan? You still want to make sure your dentist is “in-network” with the insurance carrier that you choose. Why? Because that way you get the “in-network” negotiated rate AND the dental insurance paying their portion of your bill.
4. PPO dental plans will pay UP TO a certain amount every year. And they don’t pay 100 % either. With the exception of cleanings generally being 100% covered, you will pay 20% of the cost of fillings and 50% of the cost of root canals, crowns and implants. The dental insurance will pay the remaining percentage but only up to
5. $1,000 or $1,500 a calendar year (depending on what policy you purchase).
Are HMO dental plans good? For so many reasons no, so don’t even consider it. Save $30 a month instead for major dental work.