Medicare Does Not Pay for Dental Care

Are you aware that Medicare does not pay for dental care? Yet your need for dental care will not end when you retire. This means that you need to plan for your post-retirement dental care.

Retirees actually have several options for paying fsm graphicstock cbi-0216-038 013 220614or dental care. You will likely want to explore the options available to you prior to retiring.

1.      The first option is to set aside money to pay for dental care. Some people are able to plan ahead realistically and save money accordingly. If this is how you plan to pay for your post-retirement dental care, it is wise to have an honest conversation with your dentist. Deciding how much money to save should be based on problems that are emerging, existing problems, and the unexpected costs that could arise. Your budget plan should also include an assessment of any issues that could be caused by medication or a long-term illness.

2.      You can purchase an add-on dental policy as part of your Medicare Supplement insurance. Many insurance companies offer this option. You can identify those plans with some research, a hpone call to your preferred Medicare supplement provider, or by visiting the website of The National Association of Dental Plans. You can also research some options through AARP.

3.      You always have the option of researching dental care insurance providers and buying a policy through one of these providers.

4.      Discount dental plans are another option. Most of these plans have a lower monthly premium cost that conventional dental insurance. These plans require you to choose a dentist in their network. Network dentists typically have agreed to provide some services for 10 -60 percent below their usual fees. When you visit this dentist, you will simply pay the discounted co-pay.

5.      You also have the option of obtaining a medical care charge card that will allow you to pay your dental bill over time at either no interest or an interest rate that is well below the rate on most credit cards.

You can plan for the cost of dental care needs after retirement with any of these options. In fact, you can combine them based on your income and your needs. Maintaining your dental health with insurance or savings can be managed despite the fact that Medicare does not pay for dental care.