Dental Benefits
Routine oral care is key to maintaining a healthy and active lifestyle
The ability to smile at a loved one or share dinner with friends are examples of the important ways we interact with others. Yet, these simple moments are at risk as you age and your oral health faces new obstacles.
Issues such as dry mouth, gum disease, and tooth loss can affect a person’s social life and health but should not be accepted as a natural part of aging. Routine oral care is critical as you pass the age of 65. It prevents conditions such as gum inflammation which is directly associated with lung and heart disease, and strokes.
Still, it can be tempting to cancel or postpone routine dental appointments because of an inability to pay for its services, according to the Centers for Disease Control and Prevention. Fortunately, you don’t have to choose between your health and financial livelihood. Our plans provide important, routine dental care – such as cleanings, dental exams, and X-rays – at no cost to you and from a national network of dentists.
Our plan also has you covered when the time comes for work that is more extensive. For a minimum monthly premium, members of select plans can choose from one of two supplemental dental benefit plans – Dental Silver or Dental Gold.1
Call to speak with one of our advisors or go online today to enroll and begin enjoying benefits like this. The best way to treat disease is to take steps to prevent it from developing in the first place.
Making the most of our dental benefit as a member
Call Member Services at 1-800-240-3851 (TTY 711) between 8 a.m. and 8 p.m.
Visit our dental plan site to search by location, dentist name or practice name.2
Certain restorative and extraction services at 50% coinsurance, with coverage of endodontics and periodontics at 70% coinsurance on select plans. There is a $1,000 annual combined benefit maximum.
Members can enroll in Dental Silver or Dental Gold when they first join Mount Carmel MediGold Health Plan, or can add or make changes to their optional supplemental dental plan during the Annual Enrollment Period from Oct. 15 through Dec. 7 each year.
2023: Dental Silver is available for $16 per month for HMO and PPO members. Dental Gold is available for $34 per month for HMO members, and $43 for PPO members.
2024: Dental Silver is available for $16 per month for HMO and PPO members. Dental Gold is available for $36 per month for HMO members, and $43 for PPO members.
Please note that the Optional Supplemental Dental premium is in addition to your Mount Carmel MediGold monthly plan premium, if applicable, and your Medicare Part B premium.
Dental Silver is a supplemental option and offers enhanced comprehensive services in addition to the preventive and comprehensive dental services included in your health plan. It covers 0-50% coinsurance for minor restorative services, and for 50% coinsurance endodontic, periodontic and oral surgery services. With Dental Silver, your annual benefit maximum is increased to $1,500.
Dental Gold is a supplemental option and includes everything in Dental Silver, plus coverage toward crowns, bridges, and dentures at 50% coinsurance. With Dental Gold, your annual benefit maximum is increased to $2,000.
Only the Dental Gold supplemental benefit provides 50% coinsurance coverage for dentures.
1 The Optional Supplemental Dental Benefit is not available to the Mount Carmel MediGold Health Plan Cash Back MAPD (HMO) plan.
2 PPO plan members who elect the optional dental plan can receive care from dentists in and out of the network. For services received through non-participating providers, members may pay a higher cost share.