Dental Benefits and Prominence Medicare Advantage
Medicare Advantage Plans With Affordable Dental Services
Medicare Advantage plans, such as those offered by Prominence, provide excellent options for dental care, including both preventive and comprehensive services. Unlike Original Medicare, which generally does not cover dental, vision or hearing care, Medicare Advantage plans offer enhanced benefits tailored to meet unique needs.
When you’re on the hunt for dental plans for seniors on Medicare Advantage, it’s worth checking out all the options. Studies show a strong correlation between dental health, aging and general wellness. With advancing age, for instance, seniors are generally at higher risk of tooth decay and plaque build-up.
Medicare and Medicare Advantage dental health insurance
Under Original Medicare, certain inpatient and outpatient dental services are covered if they’re related to medical treatments. In these cases, the dental service is supporting the medical treatment, such as:
- An oral exam and treatment before undergoing a medical treatment like heart valve surgery.
- A dental procedure (like a tooth extraction) to treat an oral infection.
- Surgical complications during treatment for head and neck cancers.
What’s Medicare Advantage Part C?
Another option during open enrollment is to sign up for a Medicare Advantage health plan (Part C) that includes dental insurance. Remember to compare potential health plans: The best insurance provider for you depends on your location and your own unique dental needs.
When older adults enroll in Medicare Advantage Part C, it includes dental insurance. Depending on the services available in your area and the specific plan, Medicare Advantage may also cover vision services and hearing care.
Benefits, deductibles and out-of-pocket costs vary widely between plans. Specific dental benefits offered in our Prominence Medicare Advantage plans may also vary. Double-check to uncover exactly what is (and what isn’t) included in a Medicare Advantage dental plan, such as:
- Routine cleanings
- Fluoride
- Fillings
- Crowns
- Root canals
- Extractions
- Dentures
Medicare Part C and Comprehensive Dental Coverage
Certain Medicare Advantage plans will cover dental services required for another covered procedure, such as reconstructing the jaw after injury. In many cases, the patient will have to pay 100% of non-covered dental services, including dentures.
Dental Health Maintenance Organizations (HMO) and Dental Preferred Provider Organizations (PPO) offer networks of dentists and other specialists. Prominence presently offers dental HMOs in Florida, Nevada and Texas. Under contract with private insurance companies, these healthcare organizations help reduce out-of-pocket expenses by not going through an employer network.
Benefits of HMO
- Lower premiums than PPO
- No deductible
- Copayments for covered services
- Little or no costs for diagnostics and preventive care
- No annual maximum
Medicare Advantage plans vary by state. To visit a specialist like a periodontist, you’ll likely need a referral from your regular dentist. Out-of-network dental costs are not covered in a dental HMO, so choose in-network providers and services for the best deals.
Benefits of PPO
- Flexibility to choose a dentist and dental office
- Larger network of dentists than HMO
- No referral for a visit to a specialist
- No need to pick a primary care doctor
- Partial reimbursement for covered services from out-of-network dentists
Today, older adults can take advantage of standalone dental insurance, Medicare Advantage plans or discount dental plans. It really pays to compare and shop around.
Prominence Medicare Advantage offers dental, vision and hearing
Whether you’re searching for practical monthly premiums or lower copays, Prominence Medicare Advantage plans provide dental services sure to fit your needs. In most of these insurance plans, crowns, bridges and dentures are also covered.
Most Prominence Medicare Advantage dental plans have no annual deductibles, no waiting periods and no copays for routine dental cleanings and exams. Prominence Health also has a Premium Dental Plan with extra coverage for more complex oral problems like dental implants.
Find a dentist
For details on Prominence Medicare Advantage costs and codes, call 888-212-7681. Search our directory to find a dentist near you. Prominence Medicare Advantage dental plans in Florida, Nevada and Texas have no annual deductibles and no waiting periods.
* Not all benefits available on all plans
Enroll in a Prominence Health Plan Medicare Advantage plan.
The comprehensive provider network offers members excellent access to quality medical services.
