While Medicare is great for many things, there are some dental procedures and treatments that are not covered. Since retirement is not that far away, it makes sense to find out which services you will have to cover out of your own pocket. Here are some examples of the more common dental services that are not currently covered under the benefits provided by what’s usually referred to as Original Medicare (Parts A and B.)
The necessity for an annual dental checkup is obvious. Going in once a year for a complete evaluation is the one way to spot dental issues while they are still relatively minor. As a bonus, many dentist conduct testing for oral cancer during the annual examination.
Unfortunately, Original Medicare will not help with the cost of that annual dental exam. If you want to keep getting one, be prepared to pay for it yourself. An alternative is to arrange some sort of dental loan or financing to cover the costs.
Teeth cleanings help to get rid of plaque and other residue that is missed during brushing and flossing. That’s important, since the residue that may collect along the gum line and in between teeth create a breeding ground for bacteria. That bacteria can eventually wear down the enamel and lead to tooth decay between teeth. With teeth cleanings, it’s not just about enjoying that fresh sensation that lasts for a day or two after the dental visit. It’s also about removing something that could cause problems later on.
As with the annual exam, Original Medicare does not provide any benefits for teeth cleanings. This is an expense that you will have to manage using some other solution.
Dentist do everything they can to save teeth. When that’s not possible, the only viable course of action is to remove those damaged teeth. The process is referred to as a tooth extraction.
While this is one of the most common types of dental procedures, it’s not one that is covered under the provisions of Original Medicare. If the dentist tells you that a tooth has to go because of advanced decay or damage, expect to pay for the procedure without relying on your Medicare coverage.
Dental fillings are one of the strategies that dentists use to repair damaged teeth. If you had a cavity, the dentist will use a filling to replace the decayed portion. In some instances, the dentist will also recommend installing a crown over the filling to ensure that it holds up for as long as possible.
Don’t look to Original Medicare to provide any help with the cost of the filling or the crown. You’ll need to make payment arrangements with the dental office in advance. Remember that this is not the type of procedure you should delay. The decay that is already present will continue to erode the tooth until it’s finally removed. Wait long enough and there will be no choice but to extract the tooth.
Dentures Bridges and Dental Implants
What happens if you need to think about a replacement for one or more of your teeth? There are plenty of options to consider. If it’s a matter of two or three adjacent teeth that need replacing, the dentist is likely to recommend some type of bridge. Dental implants are also a possibility if you’re missing one or two teeth in different areas of the mouth.
When you need to replace a complete line of upper or lower teeth, the dentist may recommend looking into dentures or possibly what’s known as All on Four implants. Before you decide what to do, know that Original Medicare will offer nothing to help offset any of the costs. You’ll need to come up with some other way to pay for the procedures.
If the pulp in the root of the tooth becomes infected, the dentist may try using oral antibiotics to ease the problem. In most cases, you’ll end up needing a root canal. This removes the infected pulp and could make it possible to save the tooth.
Even if the dentist recommends a root canal, forget about any support through Original Medicare. Before you can have the procedure, it will be necessary to make payment arrangements with the dental clinic.
Should you need any of these services or procedures, dental financing can make it easier to manage the expenses. Visit Ajeva.com today and look into how the right approach to financing can help you protect your dental health today instead of having to wait. In the long run, you’ll be happier and healthier.