Dental Insurance

Dental screenings and procedures can be very costly if you don’t have the right insurance. Since most health insurance plans don’t cover routine checkups, it’s important to find a supplemental insurance plan that fits your needs and budget. To help you with your search, here is an outline of why you need dental insurance, especially as you age; what you should look for in a plan to best serve you; and why Medico Insurance Company’s dental insurance stands out from other policies.

Why you need dental coverage

By ensuring your oral health, you’re protecting your overall health. Without regular cleanings, bacteria can build up and lead to decay, cavities, and possible tooth loss. But poor dental health can also lead to other health problems, like pneumonia or endocarditis, an infection of the inner lining of the heart. And it can be a warning sign for other chronic health conditions, like diabetes and Alzheimer’s disease.

As you age, your teeth need more attention.

Most health insurance plans, including Medicare, don’t cover exams and services related to basic dental health care. Medicare only covers these types of procedures if you have a medical emergency or if your doctor orders them for medical treatment.
Having an insurance policy that covers regular exams and common procedures means you can maintain your health without draining your savings account or retirement income. A Dental insurance policy helps you pay for preventive dental care; diagnostic services; procedures, like root canals; and dental apparatuses, such as dentures and bridges.

What to look for in Dental insurance

As you review your options, look closely to see what each insurance plan covers. If you’re looking for a Dental insurance plan, you’ll want a policy that covers basic dental services, such as regular cleanings and fillings, and more extensive dental work, like bridges, crowns, dentures, and root canals. If you also want vision and hearing coverage, check whether there are additional options that fit your needs.
As you’re weighing alternatives, you’ll want to consider what percentage of each service the policy pays, what additional benefits are offered, and if there is a waiting period to receive coverage for each service.

Why our plans stand out

Finding the right dental plan can be complicated. Medico makes it simple with affordable dental plans to help you maintain a healthy smile. The types of plans available depend on which state you live in.

Effective Jan. 1, 2023, dental plans will no longer be available for new business in Delaware, Idaho, Maine, Montana, North Dakota, Rhode Island, Utah, Washington, and Wyoming. Effective Feb. 5, 2023, dental plans will no longer be available for new business in South Dakota. If you have a dental policy in one of these states, your coverage will not be impacted.

All Medico plans offer you freedom of choice

  • You are covered if you choose any provider, but you experience additional savings if you use an in-network dental provider. Our network is one of the largest dental networks nationally and focuses on neighborhood dentists. Click here to find participating providers.
  • You can cancel your policy within 30 days and receive a refund, minus any claims paid, if you aren’t satisfied.

Gold and Platinum dental plans

Medico’s Gold and Platinum dental plans are available in some states for individuals ages 18 to 89. They not only include first-day coverage on all three service levels but also first dollar coverage on preventive services. 
These plans may work well for you if you:

  • Regularly visit the dentist for preventative care, such as routine cleanings
  • Are looking to keep your teeth healthy
  • Want back-up coverage for basic and major services

These plans are ideal if you:

  • Need an annual check-up immediately
  • Want immediate coverage for basic services, such as X-rays and fillings
  • Worry about the cost of major services — such as crowns and implants — and want some protection

The Gold and Platinum plans allow you to save additional money on your premium when you add a spouse to the dental policy at time of application. You can also receive a 5% discount if either you or your spouse (if applicable) are applying for and issued a Medicare Supplement or Final Expense plan at the time of the dental plan or already have an existing Medicare Supplement or Final Expense plan with any of our companies — Medico® Insurance Company, Medico® Corp Life Insurance Company, Medico® Life and Health Insurance Company, American Republic® Insurance Company, American Republic® Corp Insurance Company, and Great Western Insurance Company (GWIC®).
You can also choose one of two additional benefits for an additional fee at the time of application.

  • The Buyup benefit rider adds $1,000 of coverage to maximize policy benefits. For example, the Gold $1,000 plan plus $1,000 buyup is $2,000 of coverage. The buyup is available for both levels in each plan.
  • If you think you may not use your plan’s full benefits during the year, you can add the Calendar Year Maximum Carry-over benefit rider to your plan. The carry-over amount accumulates until it reaches a max of $3,000. For example, if the Gold $1,000 plan has an unused benefit balance of $500, you can use the extra $500 in the next calendar year.

For more information on our products and what is available in your state:

Medico Insurance Company disclosures

This webpage is intended to provide a general description of the plan benefits. Plan provisions and benefits may vary from state to state. This plan has exclusions and limitations. For costs and further details of coverage, see your agent or write to the Company at Medico Insurance Com­pany, P.O. Box 10386, Des Moines, IA 50306-0686 or call 800-228-6080This is a limited policy. If there is a discrepancy between the webpage and the contract, the contract language prevails. This is a solicitation of insurance and a licensed producer may contact you.

This content may contain links to third party websites, but Medico is neither responsible nor liable for their content, accuracy, or security. Review this website’s 
Terms and Conditions to learn more.

Photo credit: iStock
DEN-001 Rev.02/23

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