Thanks to scientific advancement in the preventive dental care industry, older adults can now preserve their natural teeth for a longer period. With good dental care, you can retain your natural smile through your golden years. However, aging teeth and gums are often prone to several dental problems that aren’t often covered by Medicare. Some of the common dental challenges that you may face include:
- Higher risk of teeth decay
- Greater risk of tooth root decay
- Faster plaque buildup
- Poor dental hygiene if you suffer from dexterity, mobility, or vision challenges
According to Mayo Clinic, your dental health affects your overall health. Unfortunately, keeping your gums and teeth healthy will cost you money. Although Medicare will give you the medical care you need, your teeth aren’t covered. Medicare may only cover for dental procedures that result in a hospital stay, but it won’t cover routine dental procedures. The most common types of Medicare (A and B) don’t include some basic dental procedures such as yearly cleanings, dental examinations, fillings, crowns, or dentures. This means that you may be required to pay out-of-pocket for certain expensive dental procedures. This may explain why approximately 20 percent of older adults have untreated teeth decay.
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Get a Senior Dental Insurance NJ Plan
If you aren’t enrolled in a Medicare Advantage plan, then you won’t have any form of dental care coverage. However, you can consider a stand-alone senior dental insurance NJ plan. Most of these plans have annual maximum benefits that range between $1,000 and $1,500. On average, you will have to pay monthly premiums that range between $15 and $50 or $360 annually depending on your plan. Your senior dental insurance NJ plan will pay 100, 80 and 50 percent of dental care costs depending on the type of dental procedure you undergo. Below are some examples of senior dental insurance NJ coverage types:
- Type I: Oral evaluations, vertical bitewings, X-rays, diagnostic casts, and preventive dental care.
- Type II: Emergency pain treatment, nitrous oxide inhalation, films, resin, and permanent composites, and fixed partial denture anesthesia.
- Type III: Re-cementing, fillings, inlays and onlays, endodontics, sedatives, crowns, periodontics, prosthodontics, and oral surgery.
What You Should Know About Senior Dental Insurance NJ
You know how important it is to have health insurance to protect you in case you develop a chronic illness or you get injured. But do your teeth need the same level of protection? Depending on your unique circumstances, you may be better off joining a dental discount plan.
Why a Senior Dental Insurance Plan NJ May Not Be Worth It
Pre-existing conditions
Many people ignore dental problems for years until they purchase a senior dental insurance NJ. Unfortunately, dental insurance companies are there to make money just like any other business. Therefore, they have waiting periods for most dental procedures except preventative dental care procedures.
Maximum limits
Senior dental insurance NJ plans have annual maximum limits that often range between $1,000 and $1,500. Because your teeth will need more attention as you age, you can quickly max out your annual limit.
Missing tooth clause
Most senior dental insurance NJ plans have a missing tooth clause and a replacement clause. The missing tooth clause protects the company from recompensing for a tooth replacement procedure for missing teeth before your policy became active.
Consider Senior Dental Insurance NJ Alternatives
While having health insurance is important, dental insurance may not be worth it. Therefore, consider a DentalSave senior dental discount plans to help you save more money on dental care costs. Apart from being affordable, you get access to a network of qualified affordable dental care providers
