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August 31, 2021
According to Medicare.gov, Medicare doesn’t cover most dental care, dental procedures, or supplies, like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices.
Medicare Advantage Plans, sometimes called Part C, combine Original Medicare Part A and Part B into one complete plan. These plans are offered through private insurance companies approved by the government Medicare program. These plans may also offer extra programs and services not covered by Original Medicare, such as dental coverage. Some plans may also include Part D prescription drug coverage and vision.
Medicare Advantage Plans work similarly to traditional health plans in cost and coverage. For example, there are HMOs, PPOs, POS plans, and more. They can include deductibles, copays, and coinsurance. But not all Medicare Advantage Plans cover dental. So before you sign up, make sure to read the details of what the plan covers. If you want dental coverage under Medicare, then make sure the Medicare Advantage Plan you choose includes the dental coverage that fits your needs and budget.
The best way to navigate your Medicare plan options is via a licensed and certified Medicare agent.
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When it comes to Medicare and dental coverage, only Medicare Advantage Plans (Part C) may offer dental coverage and not all of them do. This coverage is typically basic and could include:
Make sure to review all details of any Medicare Advantage Plan before you enroll. Plans may differ based on the insurance company and even your location. Dental coverage often comes with limits on how many services are covered in a plan year, maximum cost allowances, and more.
In summary, here are the types of Medicare, what they cover, and if dental coverage is available:
Type of Medicare | What’s Covered | Dental Coverage Available? |
---|---|---|
Original Medicare (Part A and Part B) |
| No (exception: may be covered if hospitalized due to a serious accident that also affects mouth, jaw, face) |
Medicare Advantage (Part C) |
May also include:
| Yes (Not all Medicare Advantage Plans include dental, however; check plan details before enrolling) |
Medicare Supplement Insurance | Costs not covered by Original Medicare (copays, deductibles, coinsurance) | No |
If you’re on a Medicare plan that’s working for you and doesn’t offer dental coverage, there are other options you may consider:
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