In a world where the number of diseases is constantly increasing, the importance of an insurance cover cannot be compromised with. Having an insurance cover for themselves as well as for their family members is now being seen upon as necessity by the society in general. However due to burgeoning insurance costs, getting an insurance isn’t an easy thing. Thus, many people, in order to save a few bucks, skip dental insurance.
They are being penny wise and pound foolish. For, any overlooking of a problem may lead to it becoming a bigger problem, which may cost the people their own lives and a far more expensive medical bill. An optimal solution for people, who want to avoid footing an expensive dental insurance bill, is Medicare dental plans. These plans are unique in the sense of their wide scope of coverage of health conditions. There are different types of Medicare plans available and purchasers should do their share of research on these plans before buying one. The benefit provided by these plans is a reimbursement of the dentist’s bill after the concerned authorities have examined the reports. Generally, these dental plans do not cover mundane dental services like routine checkups, crowning, teeth extraction, filling of cavity or even various teeth implantations. However, there are various other health covers that insure a purchaser’s regular visits to a dentist’s office. The features are mentioned as follows:
• Affordable – These plans are highly affordable and within the reach of almost everyone, which make them highly convenient as well. Moreover, of late a few of the Medicare dental plans have been giving their purchasers insurance against basic dental services. According to this plan, the policy holders are allowed a discount of 50% on the bill of the dentist for a single cavity filling, crowning repairs and a single root canal treatment, at any one time of the year.
• Medical Savings Account – These plans also have the option of opening a medical savings account as an alternative for the coverage of basic dental care. The amount to be credited is extracted from the Medicare account of the person who holds the dental policy.
• Occasions covered under Medicare dental plans-
1. In a kidney transplant or during a surgery for the replacement of heart valves, in case a patient needs dental care services, the same would be covered under the plan.
2. In case, the policy holder is undergoing a jaw surgery and during which he/she needs certain dental services, the bill of both the procedures will be borne by the policy.
3. In case of an accident, if any damage is suffered by the jaws or the teeth, the bill paid for the required treatment, will be reimbursed by the authorities.
4. In the event of the contraction of a tooth infection after the extraction of a tooth or teeth, the expenses will be covered under the Medicare dental plans.
5. For senior citizens, dental care services are offered at subsidized rates or even for free of cost, as per the prevailing circumstances.
6. In case a policy holder requires surgery or extraction of the teeth as a part of an ongoing medical treatment, the bill will be footed by the dental plans.
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