For individuals who are approaching 65 years of age and would like Medicare coverage, the best time to enroll would be one to three months before turning 65. Upon doing so, coverage would begin on their 65th birthday. For those who enroll during the month they’re turning 65, their coverage would begin one month after their birthday month. For those who enroll one month after their 65th birthday, their coverage would begin two months after the month they enrolled. For individuals who enroll two or three months after their 65th birthday, then their coverage begins three months after their enrollment date.
For Part B enrollees, monthly premiums equate to 25 percent of average individual Part B spending funds. For example, in 2017, the average monthly premium for Part B enrollees nationwide was $35.63. For those wondering if income affects how much individuals pay for their monthly premium, it does. The Medicare Modernization Act became effective in 2007, which requires individuals with higher incomes to pay a higher average per capita, which could range between 35 to 80 percent. For example, people who are single and making more than $85,000 per year have to pay higher premiums for Part B. Same requirement goes for couples who are making a combined income of more than $170,000 per year.
As of 2018, a new law requires individuals making up to $160,000 per year to pay 65 percent of Part B costs, and individuals making up to $214,000 per year are required to pay 80 percent. Same goes for married couples who are making a combined income of up to $320,000 per year, they’re required to pay 65 percent, while couples making a combined $428,000 per year are required to pay 80 percent.
Unfortunately, when individuals retire, they no longer receive dental care benefits through their insurance. Traditional Medicare plans do not include dental services, such as exams, X-rays, cleanings, fillings, crowns, root canals, bridges, dentures, or tooth extractions. Fortunately, some individuals may be able to still receive dental coverage via private Medicare Advantage plans, or employer-sponsored retiree health plans. For those who aren’t, some dental procedures may be covered if they’re deemed medically necessary for treatment of other health issues. For example, if an individual is in the hospital and is expecting a kidney transplant, an oral examination could be considered medically necessary, which the Part B plan would then cover.
At McBride Dental, we offer dental services for all age groups, including those 65 and older. We know that dental health tends to worsen the older individuals get, which is why we offer preventative care services to help our patients maintain healthy teeth and gums for a lifetime. For those already suffering from oral issues, we offer other services to help treat those issues, such as gum disease treatment, implant dentistry, and more. If you are in the San Diego area and would like to schedule an appointment with us, contact us today at 760-471-1003.