Medicare Dental Plans

            Many families in the United States do not have any type of dental coverage, and the recent healthcare bill does not include any real guide lines regarding dental plans.  We all still need to get our teeth fixed, but nothing has changed in several years regarding dental plans.  When you or your family need to see a dentist, shopping around for a new plan is a good idea; but it can be very overwhelming if you don’t know what you’re looking for.  Depending on how much dental work you need and how soon you need it, there are 3 major types of plans to consider.

            The first is a regular dental insurance plan provided by a major company like Delta Dental.  These insurance plans are the most expensive on a monthly basis but they require the least amount of money out of pocket at the dental office.  They also have a waiting period, usually consisting of several months, that you need to wait before you can have any work done.  If you need dental tomorrow this is not the right plan for you, but if you need a lot of work done this can be the cheapest in the long run.  It is also important to note that these plans usually have a limit on how much they will pay out in a calendar year.  Traditional insurance is usually the best bet if you can afford it, and you plan far enough ahead to let the waiting period expire; otherwise one of the other two types of plans may be a better fit for you and your family.