Medicare Advantage Plans With the Best Dental Coverage
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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 adults consider a Medicare Advantage plan with dental coverage to fill this gap. Below, we’ll cover our top picks for Medicare Advantage plans with dental coverage.
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 our picks dental plans for seniors in 2022.
Humana has a long-standing reputation as a leading insurance carrier, offering a variety of plans and serving one of the largest Medicare Advantage plan populations compared to its competitors. It offers several Medicare Advantage plans with low and no-cost premiums for drug and dental coverage plus extra benefits. Humana also offers Medigap plans and other types of insurance for seniors. Read our Humana Medigap review to learn more.
Anthem understands that dental care needs vary. If you’re looking for more than routine dental coverage, Anthem’s enhanced dental option is an excellent choice. We’re also big fans of Anthem’s no-cost Flex Account feature that provides a $500 annual allowance to spend on additional dental, vision, or hearing needs above your existing plan benefit. In addition to a wide range of Medicare Advantage plans, Anthem also offers Medigap coverage, and it’s no surprise they made it onto our Medigap plan recommendations!
We appreciate Aetna’s extensive provider network and nationwide accessibility. We also like that most plans have a zero-dollar copay for many dental services. Be sure to check the carrier’s website for coverage details in your area; plans may have a $1,250 max coverage for combined preventive and comprehensive dental services, but you still pay 50 percent coinsurance on some dental procedures. For information about Aetna’s other insurance offerings, visit our Aetna Medigap review.
Wellcare’s Medicare Advantage plans with dental may be cost-effective for many subscribers! Older adults living on a fixed income will appreciate the added money-saving perks. We’re impressed with Wellcare’s commitment to health and well-being. Their free fitness membership, discounts on alternative medicine, and over-the-counter savings program help set seniors up for a healthy lifestyle. Keep in mind that plan benefits vary by location, and not all Wellcare plans include dental.
Cigna has over 270,000 dental provider locations worldwide and serves more than 500,000 Medicare Advantage plan members. Many of Cigna’s plans offer a zero-dollar maximum for preventive dental coverage and have a generous amount of extras, including health and wellness discounts and behavioral and emotional support. Cigna also offers a variety of Medigap plans. Check out our Cigna Medigap review for more details.
You’ll need to be an AARP member to enroll in an AARP Medicare Advantage plan from UnitedHealthcare. Luckily, membership fees are very low, starting at $12 per year. Plus, you’ll gain access to hundreds of discounts with an AARP membership to help you save. We also like that many plans with dental have a zero-dollar premium and zero-dollar deductible for routine dental care. We’ve also reviewed UnitedHealthcare’s Medigap plans, in case you’re interested in this carrier’s other offerings.
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 emergency situations resulting from accidents or oral cancer-related problems. Traditional Medicare does not cover routine dental exams, cleanings, and X-rays. Older adults 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.
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 92 percent of Medicare Advantage plans in 2021 cover some dental.1 This is an increase from the 88 percent of Medicare Advantage plans that covered some dental in 2020.2
Medicare Advantage plans with dental coverage generally have 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.
Bonus: Learn more about affordable dental care for seniors for other dental options outside of Medicare.
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 may be comparable to dental coverage under the employer plans you may be used to.
Since graduating from Harvard with an honors degree in Statistics, Jeff has been creating content in print, online, and on television. Much of his work has been dedicated to informing seniors on how to live better lives. As Editor-in-Chief of the personal… Learn More About Jeff Hoyt