Delta Dental Plan B

Delta Plan B is the cheaper little sister to Delta Plan A. Delta Plan B has a lower monthly premium and has a yearly ceiling benefit of $1000.00 per year. Plan B also uses the dentists from Delta's two provider networks. Out of network dentists may be covered by they will be covered at a substantially reduced rate.

Delta Dental Plan B Coverage

Delta Dental Plan B coverage is similar to Plan A, however, services are covered at a lower rate. This means that patient out-of-pocket expenses are higher. However the premiums are lower. To establish which plan is better for your situation take a look at your oral history. Teeth have very different types of enamel. This means that some people are blessed with very good teeth while others are not. If you rarely have had dental fillings Plan B is likely to suit your needs. If not, Delta Plan A, or a Medicare Advantage Plan that includes dental or a separate more expensive private dental plan may be a better option for you. Every person is unique and what type of insurance coverage you have should be suited to your particular situation.

Delta Plan B enrollees can go outside the provider network but they will pay more for services. Plan B enrollees also pay a lower premium than Delta Plan A participants. Plan B also requires a waiting period before restorative care will be covered at all. In addition, rather than paying 100% for preventative dental care and cleaning, Plan B only pays 80%. During the first year and beyond periodontal cleanings, denture adjustments and rebasing, fillings, oral surgery and root canals are paid for at a rate of 50%. For Delta Dental Plan B members there is a waiting period of one year before TMJ treatment, dentures, and crowns and are covered at a 50% rate.

Alternatives to Delta Dental Plans

There are three alternatives available to seniors for dental coverage outside of AARP Delta Dental. These include:

  • Expensive private dental insurance plans
  • Joining a Medicare Advantage Plan that includes dental coverage
  • Seniors who qualify for Medicaid may have access to dental care depending on what state they live in.

Dental insurance is a new addition to basic health care maintenance and this is why it is excluded from Original Medicare. As more and more Baby Boomers retire many of the large gaps in Medicare are being filled. With luck, dental services will soon be widely covered and more affordable.

Auntie Lou says, "With our Government's deficit, don't hold your breath."