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How To Get Discounts On Dental Costs
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Most seniors tend to skip the visit to the dentist because they do not want to pay for the costs. Especially for those living on their own pockets, they see it as an expense that can be avoided.
However, it isn’t! If your dental health is bad, it could cause serious problems ranging from severe tooth pain to requiring oral surgery or getting a tooth removed.
Another reason most seniors dodge dental checkups is because their Medicare insurance doesn’t cover the expenses. Yes, you heard that right! Medicare doesn’t cover dental expenses.
This rule is only waived when your dental costs are part of another procedure or surgery you’re to undergo for a life-threatening condition. Examples include
• If you need a dental checkup before surgery such as a heart valve replacement or a kidney transplant
• If you have a life-threatening medical condition that gets you hospitalized
• If your oral infection gets you hospitalized
If you fall into any of these categories, you can get Medicare to cover your dental bills.
Most seniors tend to skip the visit to the dentist because they do not want to pay for the costs. Especially for those living on their own pockets, they see it as an expense that can be avoided.
However, it isn’t! If your dental health is bad, it could cause serious problems ranging from severe tooth pain to requiring oral surgery or getting a tooth removed.
Another reason most seniors dodge dental checkups is because their Medicare insurance doesn’t cover the expenses. Yes, you heard that right! Medicare doesn’t cover dental expenses.
This rule is only waived when your dental costs are part of another procedure or surgery you’re to undergo for a life-threatening condition. Examples include
• If you need a dental checkup before surgery such as a heart valve replacement or a kidney transplant
• If you have a life-threatening medical condition that gets you hospitalized
• If your oral infection gets you hospitalized
If you fall into any of these categories, you can get Medicare to cover your dental bills.
How to get discounts on dental costs
The best way to reduce your dental fees is through the use of dental insurance plans. Even though these plans require you to pay a premium fee, it is not usually expensive. Most dental premium fees range from 15 to 50 dollars.
These insurance plans totally cover the bill if you go for a preventative dental checkup, pay 50% of the bill for small procedures like getting braces, and 20% for severe issues like getting oral surgery.
Even though Medicare doesn’t cover dental costs, several insurance plans cover your dental costs and save you much-needed money for other expenses. Examples of such plans include:
• Medicare Advantage Plan: This is a health care insurance for those who qualify for Medicare only. It covers bills that Medicare doesn’t cover.
• Medigap: This is a plan that covers the same medical bills as Medicare. Although the primary insurance plan on Medigap doesn’t cover dental costs, you can find add-ons that cover dental costs.
• Dental discount programs: These are programs that require you to pay a small fee, which qualifies you for a discount anytime you visit the dentist. It is not am insurance plan but just a discount benefit.
Benefits of Dental Insurance Plans
Even though most seniors won’t want to opt into dental insurance programs as they believe the money can be used elsewhere, dental insurance plans are quite important. It has various benefits, such as:
• It gives you a get-out-of-jail card when your dental bills cost a lot more than you can afford. The whole amount might not be paid, but you’ll save some money on the bills.
• It assures you to go to the dentist whenever you experience any discomfort because you know you’re covered by insurance.
• For those who live on their means, it serves as a source of expense reduction.
As a senior, your dental health is just as important as your general health. Get yourself dental insurance before you have to pay for huge dental bills from your pocket.
