{"id":87985,"date":"2019-12-12T21:29:43","date_gmt":"2019-12-13T01:29:43","guid":{"rendered":"https:\/\/antiguanewsroom.com\/?p=87985"},"modified":"2024-08-10T13:51:55","modified_gmt":"2024-08-10T17:51:55","slug":"how-seniors-benefit-from-dental-plans","status":"publish","type":"post","link":"https:\/\/antiguanewsroom.com\/how-seniors-benefit-from-dental-plans\/","title":{"rendered":"How Seniors Benefit from Dental Plans"},"content":{"rendered":"
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As people grow older, they begin to develop a unique set of health issues related to aging. Every part of our body begins to be affected by aging, and teeth are no different. Oral care and a good dental routine at home combined with regular dental checkups are always important, but even more important for seniors.\u00a0\u00a0<\/span><\/p>

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Regular wear and tear of our teeth can make them more sensitive as we age. As a retired senior, your oral care will probably entail more than regular brushing and flossing. It might mean more than just <\/span>regular visits to the dentist<\/span><\/a>, and maybe more procedures and more complex ones than when you were younger. And we should all know by now, a visit to the dentist is anything but inexpensive.<\/span><\/p>\n

Does your health insurance cover dental work?<\/span><\/h2>\n

If you\u2019re in the market for coverage on basic dental services, like teeth cleaning, X-rays, and other dental care, then you need to know that Original Medicare doesn\u2019t cover all the above. Unless a procedure is deemed as \u2018medically necessary,\u2019 as a senior, you\u2019ll pretty much need a separate package or depend on your personal savings any time a dental issue crops up, since Medicare is not designed to cover the bulk of dental treatments. There are ways to get dental coverage under other types of plans from <\/span>senior dental plans from MedicareWire<\/span><\/a>. There are more than enough plans to choose from, and your choice will typically be based on your budget and the type of coverage you want.<\/span><\/p>

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Generally, you will have four basic choices:<\/b><\/p>

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Pay out of your pocket<\/span><\/h3>\n

\u00a0Unless you\u2019re more than very comfortable, paying out of your pocket for each visit is something most seniors can\u2019t afford, since they live with a limited income. Yet, you might find affordable walk-in clinics depending on where you live.<\/span><\/p>\n

Check into a Retirement Community<\/h2>\n

The main goal of any such facility is to keep its residents healthy and happy. With 24 hour senior care<\/a>, you’ll never miss another dental checkup. Plus, if there’s ever any issue with your teeth, you can get immediate help.<\/p>

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Join a dental savings plan and pay 20-60% less on most procedures<\/span><\/h3>\n

Discount plans are different from <\/span>dental insurance<\/span><\/a>, the main reason is discount dental plans do not provide dental services at no cost, it will not pay any of the expenses. Rather, you\u2019ll be offered discounted prices from dentists participating in a plan, and many dentists will have more than one plan available. You get a discount and pay out of pocket the remaining amounts. There are generally no deductibles, no waiting periods and no annual maximums to enroll in a plan. Discounts range from 10\u00a0to 60% for common dental work.<\/span><\/p>\n

Buy individual dental insurance that limits your coverage\u00a0<\/span><\/h3>\n

Here, you pay for the policy every month, whether you use it or not. but you pay for the policy every month, even when it\u2019s not used.\u00a0<\/span><\/p>

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Enroll in a medicare advantage plan with limited dental benefits (at an additional monthly cost)\u00a0<\/span><\/h3>\n

Dental insurance works like health insurance. You pay a monthly premium. After the deductible is reached, the insurance pays all or part of your dental expenses, up to a stated maximum. Concerning Medicare and dental coverage, only Medicare Advantage Plans (Part C) can offer dental coverage.\u00a0<\/span><\/p>

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It\u2019s a basic type of coverage that usually includes:<\/b><\/p>\n