Dental care is an essential part of our overall health and well-being, especially as we age. Since Original Medicare doesn’t offer dental coverage, many Medicare beneficiaries consider a Medicare Advantage plan with dental coverage to fill this gap. Below, we’ll cover SeniorLiving.org’s recommendations for Medicare Advantage plans with dental coverage.
FYI: Many Medicare Advantage plans offer dental coverage. Visit our Medicare Advantage search tool to find plans in your area with the dental benefits you need.
How We Chose Medicare Supplemental Dental Plans
With all the Medicare Advantage plans on the market, it can be difficult to compare your options. We came up with our list of Medicare Advantage plans with dental coverage by researching and comparing nationwide availability, pricing, plan options, and additional benefits. You can also compare these against SeniorLiving.org’s picks for dental plans for seniors in 2024.
Does Medicare Cover Dental?
Original Medicare, referred to as Medicare Part A and Medicare Part B, only covers dental issues that happen in the hospital. This means it covers dental issues under emergencies resulting from accidents or oral cancer-related problems. Traditional Medicare does not cover routine dental exams, cleanings, and X-rays. Older adults and other Medicare beneficiaries looking for dental coverage may enroll in a Medicare Advantage plan, also referred to as Medicare Part C.
Did You Know? Dental care is an essential part of maintaining your health as you age. View our guide to senior oral health and hygiene to learn ways to keep your smile bright and healthy.
Do All Medicare Advantage Plans Cover Dental?
The short answer to this question is no, not all Medicare Advantage plans cover dental. The good news, according to the Kaiser Family Foundation, a nonprofit organization focusing on national health issues, is that 97 percent of individual Medicare Advantage plans in 2023 covered some dental.2 This is an increase from the 92 percent of Medicare Advantage plans that covered some dental in 2021.3
What Do Medicare Advantage Dental Benefits Cover?
Medicare Advantage plans with dental coverage generally offer preventive coverage and comprehensive coverage. Preventive coverage refers to general dental checkups every six months and includes dental exams, X-rays, and cleanings. Comprehensive coverage includes restorative crowns, fillings, root canals, tooth extractions, prosthodontics (dentures or partials), and some oral surgeries.
Some Medicare Advantage plans with dental benefits combine preventive and comprehensive services in their plan’s max coverage amount. Other plans have no maximum amount for preventive coverage and a plan limit for comprehensive coverage. Medicare Advantage plans with dental coverage might be comparable to dental coverage under the employer plans you may be used to.