Those of us with dental insurance are all too aware of the gaps that regular coverage will leave behind. Whether you’re looking to avoid paying large premiums, or there are certain procedures that your current insurance doesn’t cover, a Medicare plan can provide the perfect supplement for your existing policy.
It’s incredibly important to schedule regular check-ups if you want to take care of your oral health, but the cost of these appointments alone can sometimes cause us to skip them until a problem presents itself. By this point, though, it is often too late for a dentist to recover the affected tooth, resulting in expensive extraction procedures and subsequent implants.
We all know how costly these urgent procedures can be. We usually end up kicking ourselves for not being seen sooner as we watch the bills pile up, bemused as to how expensive quality care can be – even with insurance coverage.
While regular dental plans will cover some of the expenses incurred by these procedures, you can often still be left with a large premium to pay at the end of treatment. However, by becoming a member of a discounted Medicare programme, you can cut these costs in half – saving money for yourself, your family, or others in your circle, simply by signing up.
You may have had trouble receiving coverage in the past due to existing conditions or poor oral health, but with affordable plans like these, everyone is accepted – whether you are submitting an individual, family or group application. Plus, you’ll be able to enjoy the benefits (which include discounted prescriptions and visual care) immediately after your membership is confirmed.
Another undeniable benefit of the programme is that members get to choose their dentist from a wide selection of the most reputable practitioners in the area. Most companies will endeavour to help you find the perfect dentist for your unique requirements, meaning you’ll have someone you can return to again and again for treatment.
And the coverage doesn’t just include emergency work – you could enjoy discounted braces, teeth cleaning, implants and veneers, all for a fraction of the price you would pay through any other provider. Generally, you’ll only have to pay a monthly or annual membership fee to reap these benefits, and there should be no hidden or additional costs.
To become a member and get yourself on to one of these Medicare plans, start by searching online for programmes available in your area. You’ll want to make sure the company you use advertise their fees upfront, and that you thoroughly read through the terms and conditions on the site – you don’t want to get caught out with unexpected costs.
It’s also important to check the credentials of the company you use, to make sure they have a stringent employment process when taking on dentists to perform procedures. Be sure you are aware of what treatments are included in your current plan, and that you’re selecting the best one to suit your needs.
Some Medicare plans will offer further discounts to seniors, so it’s a good idea to check the age parameters of these schemes to see if you qualify. If you’re not sure which option is best for you, there should be a customer support team you can contact, either online or over the phone.
Registering is quick and easy to do. You’ll be asked to fill out some personal information, as well as your bank details for payment. Make sure the website you’re using is secure, and if in doubt, check if you can pay over the phone instead. Usually payments will be set up via direct debit, so all you’ll have to do is sit back and reap the benefits of affordable dental care.