While it would be lovely if your health insurance automatically included full coverage, that isn’t the case. While Parts A and B of Medicare cover a lot of important things, there are some glaring holes in the coverage. The same goes for many other types of standard health insurance that many people may utilize.
Among the most notable is the lack of dental coverage. Most people go to the dentist at least once a year. The costs of exams, cleaning and other procedures can certainly add up over time. The most expensive surgeries can cost up to $30,000 and beyond according to ExpressDentist.com. Thankfully, it is possible to get dental coverage and other types of supplemental plans like vision wrapped into your health insurance. This will save you money and prevent you from shelling out a ton of cash every time you visit a dentist.
With that in mind, this article is going to help you go over how to include supplemental plans in your health insurance. In particular, we will look at your options including dental insurance into your health insurance. We will help you find the best dental insurance option and learn about how to ensure you are covered.
Private Dental Insurance
One option if your health insurance plan doesn’t include dental is to utilize dental insurance from a private company. Private insurance companies in the USA offer a variety of different types and kinds of insurance. So getting dental coverage shouldn’t be too difficult. Because there are so many different options, be sure to do your homework on which company and plan works best for you.
Everyone will have different benefits, costs, and drawbacks that you need to be aware of. Not only that, but if you have a family, ensure the plan can meet their needs as well. Ensure the plan you go with is comprehensive enough to cover check ups, cleanings and any other dental work you can see yourself needing in the upcoming year. Of course, consider things like the premiums and deductibles before signing up for a plan.
Through Your Work
Another option and perhaps one of the most common ways that people get their dental insurance is through their work. Many employers will provide the cost of group health insurance for their employees as a part of the benefits package they offer. This helps improve employee loyalty and give back to workers. Getting dental insurance through work is not only simple in most cases, but can also be much more affordable in some situations.
However, while going through your work for dental insurance and coverage is often easier and less stressful than seeking it out on your own, that doesn’t mean it is better. As you know, every plan is different and will have different inclusions and exclusions. So you need to be sure to look closely at the dental insurance offered by your company.
If you find out the plan doesn’t match your needs or wants, or the cost isn’t right, consider looking into an individual plan and see if it makes more sense for you. Also, if you have a spouse, look into whether their employer offers dental insurance and if it meets your needs. In many cases, it is worth it to look at your options instead of simply going with what is the easiest or most available.
Dental Insurance Through Medicare
If you are over the age of 65, or qualify for Medicare for another reason, you may be able to get dental insurance through Medicare. While it is not included in original Medicare (Parts A and B), some Medicare Advantage plans (Part C) will include dental coverage. However, Part A will potentially cover some dental care you may get while in the hospital.
So if you utilize Medicare for your health insurance needs, you will need to have a Part C plan in order to gain access to dental coverage. However, not all Part C plans will include it as the benefits provided can vary greatly from plan to plan. In conclusion, we hope that this article has been able to help you learn more about dental insurance options and how to include supplemental plans in your health insurance. Having access to good dental care is important for all ages, so