By now everyone has heard of “Obamacare”. Changes to health insurance plans have left some people in confusion. Some who previously could not afford health insurance find themselves able to afford good quality coverage for the first time. Others have seen their premiums skyrocket in relation to their coverage. No matter what your opinion of our healthcare system is, it is important to try to understand your coverage.
For dentists there has been a major shift. Every child under the age of 18 is mandated to have a dental plan. These are often embedded into the family’s health insurance policy. Unfortunately those plans vary widely, from very little coverage, to Medicaid, to regular fee for service dental plans. Young adults are able to stay on their parent’s plans until age 26.
For seniors there are also some changes. Depending on your Medicare part B coverage, you may be eligible for an included plan that provides basic preventative dental care at no cost. Ask if your dentist is participating with this plan. If you would like to, you can also purchase a stand alone dental rider that covers dental work like fillings and crowns.
Changes will continue to abound, and these will inevitable lead to confusion, but maybe some unexpected benefits! Remember that your doctor and dentist are adapting to changes also, so if you have questions about your coverage be sure to ask!