The answer is no.
No basic dental coverage. No routine exams. No cleanings or X-rays.
The next question is . . . why not?
Auto insurance doesn't cover routine items like tires, brakes and oil changes. Why do people THINK they need dental insurance to see a dentist?
I have no idea.
But maybe this will help.
The retail cost of dental and oral health care services varies widely, from practice to practice and from one geographic region to another. But according to one consumer website, a standard cleaning typically costs between $70 and $200. Dental X-rays can cost $250 or more. - Insurance News Net
Split the difference in $70 vs $200 and call it $185 for a routine exam and cleaning. With twice a year cleaning that works out to a little more than $30/month, stuffed in your mattress, to cover the cost of routine dental care.
Why does someone need insurance to "help pay for" something you could pay from petty cash?
Most individual dental insurance plan premiums run $25 - $45 per month. Almost all require you to use participating network dentists. They have annual limits of $1,000 - $1500. Major work like crowns, bridges and root canals are not covered until you have had the plan 6 to 12 months.
Does it make sense to pay $500 - $600 per year for a dental insurance plan you can only use with maybe 15% of the dentists in your area? When you finally do get to use it for major work it may only pay 30% of what the dentist bills.
You decide.
#Medicare #DentalCare #DentalInsurance
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