HRBC Insurance

Yes, Delta Dental will allow you to enroll into any of their plans regardless whether you have Medicare or not.

The best dental plan will be individualized and depend on your needs and dental preferences. An HMO may allow you more predictable coverage with no limits but will have a limited network. On the other hand, a PPO will allow freedom to go to most dentists while having a high share of cost with an annual limit.

Only when it has to do with a “medically necessary” procedure. For example, if you are in a car accident and need an oral surgeon, then you will have coverage for one. Now, if you need an oral surgeon for a tooth extraction, then you will not have coverage for that under Original Medicare and will need to get a separate dental insurance policy.

No. Medicare and even most dental insurance plans will not cover dental implants. Original Medicare will only cover dental work when deemed “medically necessary.” Essentially, in relation to an accident or other medical procedure.

Dental insurance has long been separated as an ancillary coverage. This means it has been classified as extra, like hearing aids, chiropractic, etc. Dental has been separated from the medical field for quite some time, including their schooling. Dental school is not a part of medical school. We say all this to point out that in the eyes of insurance and everything classified as “medical,” that the dental field stands apart from that.

Yes. AARP has dental plans administered through Delta Dental. They typically offer both PPO and HMO plan options depending on where you live. These plans are very competitive and reasonably priced. If you are an AARP member this would be a great place to start when looking for dental coverage.

Dental insurance can range anywhere from $5 a month all the way up to around $80 a month. It’ll depend on how much coverage the policy provides and what kind of policy it is. You will find that most policies average around $25-40 a month.

Yes, dental procedures like crowns and dentures can easily add up to over $2000 or more. If you wait until that bill shows up to get dental coverage, you may find yourself having to wait an additional 6 months to a year due to the waiting period many dental plans have for such services. Getting coverage early and getting regular check ups can keep costs down and ensure you get to keep your natural teeth longer.

Some Medicare Advantage plans will have dental coverage included as part of their insurance package at no additional cost.

In most cases you will need to purchase a dental policy separate from your Medicare. Many times you can get dental coverage from your Medicare insurance policy as an add-on or, in limited circumstances with Medicare Advantage plans, it will be included as part of the all-inclusive package.

If you already have dental coverage, you can't always get supplemental dental insurance. You can generally only have one dental policy in force at a time.

Most Medicare supplement plans will allow you to add dental as a separate add- on purchase. They will not cover dental as part of the Supplement plan, other than the limited circumstances Medicare covers dental.

When it relates to Medicare, dental is only covered in Medically necessary situations. Traditional dental insurance is not covered under Medicare.

No, not in the traditional sense. Medicare will only cover dental when it is deemed medically necessary for an Original Medicare covered service. For example, if you are in a car accident and get dental damage, then Medicare will cover the dental work necessary to fix the damage.

The best dental plan will be an individualized answer and depend on your needs and dental preferences. An HMO may allow you more predictable coverage with no limits but will have a limited network. On the other hand, a PPO will allow freedom to go to most dentists while having a high share of cost with an annual limit.

You can add it through most private Medicare plans or purchase a separate private dental plan.

No, there are not dental plans specifically for Medicare patients only. However, you can enroll into individual dental plans available to most everyone.