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Why Dental Coverage Should Be Part of Every Medicare Conversation
Many Medicare clients are surprised to learn that Original Medicare does not cover routine dental care. While Medicare may cover certain dental services tied to a covered medical procedure, it generally does not cover routine services like cleanings, fillings, crowns or dentures.1
As dental costs continue to rise, more Medicare consumers are looking for affordable ways to help manage those expenses. At the same time, Medicare Advantage plans have reduced supplemental benefits in recent years — including dental and vision coverage.2
As carriers continue evaluating plan financials and benefit offerings, standalone dental coverage is becoming an increasingly important conversation for agents and clients alike. Industry and consumer reports note that while many Medicare Advantage plans still offer dental benefits, coverage levels, annual maximums, provider networks and cost-sharing vary significantly, increasing interest in supplemental standalone dental plans.3
Why Dental Coverage Matters More Than Ever
Dental coverage gives agents an opportunity to provide more complete protection while helping clients better prepare for common out-of-pocket expenses.
Many Medicare clients are looking for help with:
- Routine dental care costs
- Coverage gaps left by Original Medicare
- Major expenses like crowns, dentures and oral surgery
- More predictable health care budgeting
- Long-term preventive dental care
By proactively discussing dental coverage, agents can strengthen client relationships, improve retention and create additional cross-selling opportunities.
Two Dental Solutions Designed for Medicare Clients
Senior Market Sales® (SMS) offers agents exclusive access to two dental solutions through Ameritas that can help fill common Medicare coverage gaps:
- GPM Dental Plus Pro
- ProtectorPlus Dental
GPM Dental Plus Pro
GPM Dental Plus Pro continues to gain traction among Medicare-focused agents because it combines competitive benefits with straightforward sales experience.
For many agents, ease of positioning is just as important as the product itself. Complicated ancillary conversations can slow appointments down and create unnecessary friction. Dental coverage works best when it fits naturally into the Medicare discussion.
ProtectorPlus Dental
ProtectorPlus Dental is another strong option for Medicare clients seeking dependable, senior-focused dental coverage.
The plan offers predictable coverage on more than 380 dental procedures, along with affordable options, non-age-banded rates and a straightforward enrollment experience. ProtectorPlus Dental helps agents address growing concerns around changing Medicare Advantage supplemental benefits while offering clients coverage they can realistically use.
Together, GPM Dental Plus Pro and ProtectorPlus Dental give agents flexible solutions to help clients better manage dental expenses while expanding ancillary sales opportunities.
Helping Agents Strengthen Retention and Revenue
Dental coverage is no longer an afterthought for many top-producing Medicare agents. By making dental part of the standard Medicare conversation, agents can:
- Deepen client relationships
- Increase retention
- Create additional revenue opportunities
- Diversify product offerings
- Deliver more complete coverage solutions
As clients look for more guidance beyond medical coverage alone, dental products like GPM Dental Plus Pro and ProtectorPlus Dental can help agents stand out in a competitive market.
Simplifying the Dental Sales Process
During busy selling seasons, speed and simplicity matter. Tools like SMS' exclusive QuoteDental.com help agents compare and present dental insurance options more efficiently during client appointments, creating a smoother experience for both agents and clients.
Ready to Add More Dental Production?
GPM Dental Plus Pro and ProtectorPlus Dental offer Medicare-focused dental solutions designed to help agents strengthen client relationships while growing their business more efficiently.
Dental Product Offerings From SMS Through Ameritas
Download this complimentary flyer to have information on both plans at your fingertips.
To learn more about dental and other solutions available through SMS, complete this form or contact an SMS marketing consultant at 1.866.909.3237.
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