What does Medicare dental cover? Andrea Edwards uncovers what most plans will never pay for and why.
If you are new to Medigap supplements or advantage plans and are someone who practices taking care of your teeth then knowing what most insurance companies will pay for is important. So here is what the majority of them will provide.
Many insurers do not have a separate dental policy at all. Most offer what is called a reimbursement. This reimbursement varies in amounts, so it could be as low as $75 or $150 a calendar year on the low end, and range from $500 to $750 on the high end.
The way this benefit works is that you have to pay the provider for the services first. This would be your preventive care which includes checkups, cleanings and x-rays. You will then take that receipt from the dentist showing that you have paid, a reimbursement form (which you can usually find on the company's website or request one by calling customer service), and mail that in to the claims address on your card.
If all of the required information is received, and the services you had done are reimbursable, they will send you a check to pay you back the amount you have already spent up to the calendar year maximum. The processing time runs about 10 to 15 business days from the date you put a stamp on the envelope and mail it off until the time you open the envelope sent back with a check with your name on it.
So what about the medical companies that do offer a separate dental plan, do they cover more than just preventive care?
This is something you should definitely ask your insurance agent before you sign up with a new company or change from your old one. If you don't have an agent, or your broker isn't returning your calls, please feel free to reach out to www.seniorcoffeetalk.com and we'd be happy to assist you.