🤔 Best Dental for Seniors on Medicare -Worth Buying or Pay Cash?

This video will discuss who is best to buy dental insurance and who should just pay cash. We will also discuss the difference between Medicare plans with dental, HMO vs. PPOs, and what types of dental plans are trash, and which ones are worth it.

We also reveal a PPO dental plan that has NO YEARLY CAP or MAXIMUM. Say goodbye to the $1000 or $1500 max coverage per year!

Call us with any questions, or if you would like to compare your plan.

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CHAPTERS:
00:00 #1 Reason People Avoid Dentists
00:55 HMO vs PPO vs. Medicare Advantage Dental Plans
02:30 #1 PROBLEM With Dental Plans
05:25 BEST 2 Dental Plans
08:33 Should You Just Pay Cash?

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#dental #dentalinsurance #medicareadvantage #kciis #kaichung

[kciis]

What do you think? Buy insurance or pay cash? What do you have?

[MaryBethMcCoy]

I have a National plan that covers dental, vision and hearing for $57 per month and I can see any provider I want. There is also a $100 per year deductible. But, although this sounds like a good plan, I am not happy with it. You should have pointed out that this is one of the biggest drawbacks of insurance plans. You pay all this money, but even though you have dollars available to you for coverage, you will find out that the insurance company will not let you use it except for very basic things, like preventive care, exams, or the cheapest types of treatments. They will not allow you to use the money if you want the better quality services, even if they are routinely considered an industry standard of care. The insurance company will just say they don’t cover it and consider it an add on. The bottom line is that the insurance companies refuse to allow you to use the money for the service you may need, even though you have the dollars available.

[Paul-GrnHil]

I looked at dental plans upon retirement but found that my dentist offered a fixed-pay plan that covered all normal preventative care including X-rays and fluoride treatments and a discounted rate for all other procedures. So far it has been cost effective even though my wife needed a crown this year. We provided the plan details to our Medicare insurance provider and he thought it was reasonable coverage for the price. We are not on a Medicare Advantage plan and are pleased with our HDG supplement.

[SuperChicken]

You could have just scrolled the states with availability on the screen. Why do you want us to call you just to see if it's available in my state? Sorry. Maybe I'm just skeptical of infomercials and don't trust sales people. The puppy was a nice touch though.😊

[alisonstilwell]

I have a preventative plan only for $16/month that covers two cleanings and exams per year plus bitewing x-rays once per year and full mouth xrays once every 5 years. The annual total, $160/year is what I pay on average for one visit, so I'm saving about half. Any other services I'll pay cash for the reasons you mentioned; many years are only cleanings so I'm "pocketing" any extra $$ i would have paid for a higher monthly amount.

[jakejiang]

I haven’t been to the dentist for 5 years because I was afraid of the cost and hassle. Maybe it’s time to change that 😂

[kciis]

Have you ever heard of a NO CAP dental plan?

[irarothstein]

Dentists and Veterinarians care about $ more than the patients

[Ryan]

I prefer a plan with the lowest deductible for major works and no year waiting period; otherwise, I am in Sandiego and can drive for half an hour to Mexico and get an excellent and much cheaper major dental cost with no hassle. I think dental plans in the US for senior citizens are unfair and unjustified.

[sustainablelifest]

imagine having to buy separate insurance for your heart, or liver, or toes. That's what dental, vision and hearing are. Teeth, eyes and ears are part of a human body. It should all be considered health care.

[dougmorris]

Good video guys-- I've had a LOT of dental work done in my working years, but also had great dental insurance. No insurance since retirement in 2015, but my dentist has her own plan. $150 a year gets you 2 x-rays, 2 cleanings and 10% off all dental work. 🙂

[Stefano]

Another excellent video. You two provide a lot of good info in a short period of time.

[douglasjensen]

Physician's Mutual dental insurance is not available in Massachusetts since 1/1/24.

[areizman]

Wish I had seen this before I signed up for my worthless PPO insurance. I did the math and came to the same conclusions. $600 yearly for $1, 000 max benefits and a 1-year waiting period. That's a joke so I'm going to cancel it as soon as I can. I think for me cash is king but, I have had numerous root canals and crowns over the years so maybe I'll explore the plan you talk about.

[jusgibs]

The cost of insurance goes up every year, but odly the $1500 max benefits have never changed. What’s wrong with this picture?

[cwinterscheid]

Love these two. They make sense and provide great information. It was well worth calling them.

[jaidanchung]

Nice video, you should make more of these side videos.

[bp]

Is your top recommended plan available in Louisiana? Considering other wise Mutual of Omaha with $5K cap.

[theyuha]

Root canal and crowns often fail. Implants are more permanent but often never covered. Better to pay cash.

[Mike_The_Hog_A_Nator]

I'm not sure if my new 2024 Dental Plan will work. I'm 53 & been on SSI/DI for over 20yrs & since I qualify for "Extra Help, " Cigna HMO said they would hook me up with $20k a year no waiting period available in 2024. I don't pay out of pocket for this Advantage Plan. They actually pay me back $175 a month to my current SSI/DI payment.
The coverage does include my current doctors that I already see. Supposedly, I'm not supposed to pay for extractions, x-rays, etc. I need full mouth restoration here around the Houston area.
I'm just waiting until after the New Year to locate a place to do my 21 extractions & get new teeth, hybrids, implants or whatever.