To buy Dental or not to buy dental when you are enrolled in Medicare in Henderson NV?
There are a few things to consider after you retire, and are no longer on a dental plan through your employer.
· Dental costs are not catastrophic; most persons do not need dental insurance. (Unlike life insurance, medical insurance, etc. ).
· If you are on a Medicare Advantage plan, many plans include teeth cleaning twice a year.
· When you buy a traditional dental plan after age 65, there are waiting periods, exclusions and maximum pay outs. The majority of the time, you pay in more into a traditional dental plan than you will get paid out in claims.
· Your dental costs are predictable, much more than your medical costs. So write down what dental procedures you are most likely need in the next year, and weigh that against your monthly premiums, and waiting periods.
· Most of the time, a traditional dental plan DOES NOT make fiscal sense.
· The most affordable way to go is either pay your own way as you need dental procedures OR consider a dental discount plan. A dental discount plan has certain participating dentists. You normally can use the plan with no waiting periods, no maximum payouts and no exclusions! A discount dental plan is affordable, usually less than $10 a month. All procedures are 20 to 50% off.
So, rather than pay your hard earned money on a traditional dental plan, consider self insuring your dental needs, OR consider a Dental Discount Plan. Check out my link on my website, for further information on a Dental Discount Plan.
http://www.hunterinsurancegroup.com/dental/