Losing Your COBRA Employer with Dental Benefits and Enrolling in Medicare…What Should I Do? – The Observer
I will be eligible for Medicare in July and am currently receiving cancer treatment from MD
Anderson. I am currently on COBRA from my ex-employer and seek dental care when I go
on Medicare in July. The only dental/vision plans I find are in the Medicare Advantage plans,
but MD Anderson advised me not to go in that direction as many Medicare Advantage plans are no longer accepted at their facility. Is there a dental plan offered by Medicare? Please advise. Tammy from Alvin, Texas
Original Medicare doesn’t cover everything, and if you need certain services that Medicare Part A and Part B don’t cover, you’ll have to pay for them yourself unless:
■ You have other coverage (including Medicaid) to cover the costs.
■ You have a Medicare Advantage plan that covers these services.
Since Medicare doesn’t cover dental care, I recommend talking to your dentist.
and see which dental insurance plans he/she prefers.
There are two types of dental plans:
1) Traditional or indemnity dental insurance plans which generally have a higher premium,
and preventive services are generally covered at 100%. Basic restoration is usually
covered up to 80% and major procedures at 50%. Recently, new dental plans have been
released that help cover the costs of dental claims such as fillings, crowns and roots
canals. A major surprise is that these plans start immediately without waiting. A lot of
older traditional/benefit dental plans may have a wait for services such as fillings,
root canals, bridges, crowns, etc.
2) Discount dental plans are generally less expensive than traditional dental plans. these
plans offer a discount for services, but your dentist must be part of the plan’s network
and agree to give the dental discount.
The Medicare & You manual talks about glasses (after cataract surgery) that
is a limited benefit because Medicare will cover a pair of glasses with standard frames (or
a set of contact lenses) after cataract surgery that implants an intraocular lens. Health insurance
The Part B deductible will apply for cataract surgery and you will pay the 20% Medicare.
amount approved unless you are enrolled in a Medicare supplement, your outlay may be low.
Medicare defines the purchase of glasses and hearing aids as an option. Which means you
will have to pay them. “Medicare covers hearing tests if your doctor or other health care provider orders them to see if you need medical treatment. You pay 20% of the Medicare-approved amount and the Part B deductible applies.
May’s Confused about Medicare Zoom webinar will be on Thursday, May 19 at 4 p.m.
Visit www.tonisays.com to register for the Toni Says online webinar. Do you have a question about health insurance? Email Toni at [email protected] or call 832-519-8664.