How to Protect from Dental Care Gaps in Medicare Coverage

 

If you thought retirement meant the end of your financial woes, think again.

Even if you pinched your pennies, all it takes is one health incident to derail your carefully built retirement plan.

Don’t just assume Medicare will cover most of your medical expenses, either. There are plenty of gaps in coverage, one of them being your dental care.

Among the top dental procedures not typically covered by Medicare are dentures, root canals and dental implants, which are common procedures needed by seniors.

Dental care may not seem like the most important issue when you’re on a fixed income, but it’s actually intimately tied to your overall health. According to the Academy of General Dentistry, more than 90 percent of all systemic diseases have oral health symptoms.

Studies have also found that poor oral health increases one’s risk of heart disease by 180 percent and risk of stroke by 300 percent.

And dental insurance can be a costly route, especially when you tack on auxiliary costs such as deductibles and copayments. According to a 2008 report by the National Association of Dental Plans, a typical monthly premium for dental insurance is upwards of $30, which equates to about $360 annually.

Many seniors are now turning to Discount Dental Plans as an affordable alternative to dental insurance. These plans provide on-the-spot discounts of 10% to 60% off most dental care procedures at more than 100,000 participating dentists nationwide. Discount Dental Plans also come with quick plan activation and have no annual limits to help save money on out-of-pocket costs at the dentist.

Has a lack of dental insurance kept you from visiting the dentist? Share with us in the comments below.

 

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