During the annual enrollment period, we receive a lot of inquiries from customers about dental plans. One of our initial responses is always, “You can enroll in a dental plan at any time throughout the year. Can we assist you after the ‘busy’ season to help you find a plan?” Often, when we provide plan design information and monthly premium rates, clients respond with, “Wow! That might not be worth the money. I have to pay all of that monthly premium (around $40-$50) and only get a $1,000 benefit!”
An exception to this is the dental benefits included in many Medicare Advantage plans. Due to strict guidelines from CMS, dental benefits in Medicare Advantage plans offer a much better value. These benefits have no waiting period; they cover services from the first day the coverage begins. Additionally, the dental limits can be significantly higher compared to standalone dental plans, with some insurance companies offering benefits of $3,000 or more per year.
In short, if you want to get the best dental value, a Medicare Advantage plan might be the best option. We should explore these options now, as you cannot switch to a Medicare Advantage plan outside the annual enrollment period unless there are special circumstances. If you have friends or family members on a Medicare Advantage plan who are praising their dental benefits, we should discuss it. If you’re not interested in a Medicare Advantage plan, we can provide dental quotes and plan designs now or at any time throughout the year.
Our team is here to guide you with any questions you may have. Call us at 330-633-7713 and let’s navigate the specifics of your plan together.
