The Best Medicare Dental Supplement Plans

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.

How We Chose the Best 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 our picks dental plans for seniors in 2022.

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 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.

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 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

What Do Medicare Advantage Dental Benefits Cover?

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.

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Senior Living is an online lead generator that helps connect consumers with licensed insurance agents. MEDICARE ADVANTAGE AND PDP: This site provides referrals to representatives of Medicare Advantage organizations and stand-alone PDP prescription drug plans that have Medicare contracts. Enrollment in any plan depends on contract renewal. The plans represented do not discriminate on the basis of race, color, national origin, age, disability, or sex. To learn more about a plan’s nondiscrimination policy, please contact the plan. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. Generally, Medicare is available for people age 65 or older, younger people with disabilities and people with End Stage Renal Disease. You must have both Part A and B to enroll in a Medicare Advantage plan. Members may enroll in the plan only during specific times of the year. Some Medicare plans are not available in all areas, and costs, coverage, and benefits vary by location. MEDICARE SUPPLEMENT: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. PRIVATE SITE: This is a non-government website, and is not endorsed by the Centers for Medicare & Medicaid Services (CMS), the Department of Health and Human Services (DHHS), or any other government agency. The purpose of this communication is to connect individuals with a licensed insurance agent. Contact will be made by an insurance agent or a phone representative who can connect you to a licensed insurance agent. AGREEMENT TO TERMS: If you use submit your information through this website, you agree to the Privacy Policy and Terms & Conditions linked below, and to be contacted by a licensed insurance agent or a phone representative who can help connect you to a licensed insurance agent in your area to help review your coverage and options. NOT ALL PLANS OFFERED: The licensed agent to whom you are connected may not offer all plans in your area. Any information provided is limited to those plans the licensed agent does offer in your area. To explore all plans, please contact Medicare.gov or 1-800-MEDICARE.

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Written By

Jeff Hoyt

Editor in Chief

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

Citations
  1. Kaiser Family Foundation. (2020). Medicare Advantage 2021 Spotlight: First Look.

  2. Kaiser Family Foundation. (2019). Medicare Advantage 2020 Spotlight: First Look.