Medicare Advantage is a complex insurance topic, and it's important to understand its limitations and benefits. Specifically, let's explore the differences between stand-alone dental plans and dental coverage offered through Medicare Advantage, so that you can make informed decisions about your benefits.
Original Medicare does not include routine dental and vision coverage, while some Medicare Advantage plans do cover dental exams and professional cleanings twice a year. However, these plans may have limited dental provider networks and may not offer significant savings. Furthermore, there may be restrictions on coverage for procedures such as fillings, crowns, and implants.
On the other hand, stand-alone dental plans offer more comprehensive benefits, including coverage for exams, cleanings, and services necessary for maintaining oral health. They also provide more flexibility, allowing you to stay with your dental plans even if you change Medicare plans. Stand-alone plans often have wider network access, which can include out-of-network coverage.
