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SeniorLiving.org’s Best Recommendations for Dental Supplement Plans

Medicare Advantage Plans With 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 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.

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 2023.

  • 1. Humana

    Overview

    With excellent customer service, low costs, and nationwide availability, it’s no wonder Humana made our list of Medicare Advantage plans with dental coverage. Humana serves over 8 million people who qualify for Medicare benefits; more than 4 million of those members have signed up for a Medicare Advantage plan. For the past two years, Humana has ranked No. 1 for customer experience quality among health insurers in Forrester’s U.S. Customer Experience Benchmark surv
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    If you’re looking for a brand that cares about its customers, Humana may be a great choice!

    Many of Humana’s Medicare Advantage plans cover prescriptions, dental, hearing, vision, OTC allowance, and insulin savings for well-rounded coverage. Humana has Medicare Advantage plans with zero-dollar monthly premiums and up to $1,500 combined preventive and comprehensive dental coverage. This carrier also has multiple plans with zero-dollar copays and zero-percent coinsurance. Visit our Humana Medicare Advantage review for a closer look.

    Pros
    • It has 335,000 in-network dental providers.
    • You can add extra dental coverage for a premium.
    • The Humana Honor PPO plan for U.S. veterans is available in 46 states.
    • Humana also offers Special Needs plans and Private Fee-for-Service plans.
    • It’s easy to navigate the website and compare pricing in your ZIP code.
    • It offers the SilverSneakers fitness program.
    Cons
    • Not all Medicare Advantage plans cover dental.

    The Bottom Line

    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. Read our Humana Medigap review to learn more.

  • 2. Anthem

    Overview

    Anthem is part of the Blue Cross Blue Shield network, the second-largest health insurance company in the United States. With nearly 80 years in the health insurance industry, Anthem provides coverage to over 30 million subscribers. If your dental needs surpass traditional dental plan coverage, Anthem may be a solid choice to boost your benefit! Several of Anthem’s Medicare Advantage plans include optional increased benefits over and above basic dental. Anthem’s enhanced dental and vision package delivers a higher plan coverage limit for preventative, restorative, and surgical dental services, along with extended vision benefits.

    Pros
    • The enhanced dental package comes with $2,000 annual dental coverage.
    • You may be able to receive extra funds for dental (at no cost) through the Extra Essentials Flex Account.
    • You can add the enhanced dental to your existing Medicare Advantage plan up to 90 days after your plan starts.
    • Many Medicare Advantage plans come with dental, vision, hearing, and prescription coverage.
    • Most include a free SilverSneakers fitness membership.
    Cons
    • It’s only available in 14 states.

    The Bottom Line

    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 SeniorLiving.org’s Medigap plan recommendations!

  • 3. Aetna

    Overview

    Those who love to travel may want to consider Aetna Medicare Advantage plans. Aetna boasts one of the largest networks of dental providers nationwide and currently serves over 2.7 million Medicare Advantage members in 46 states and Washington, D.C. Some Medicare Advantage members may like the Direct Member Reimbursement plan. Enrollees get a set allowance each year that they can use for most dental services at any time. Their dental provider network covers any dentist who has not opted out of Medicare.

    Pros
    • It has one of the largest networks of dental providers across the country with 330,000 providers for their PPO plan.
    • Some plans have up to $1,250 max coverage for dental services, but include 100 percent coverage of preventative care.
    • Extra dental coverage is available for purchase.
    • It has many plans with zero-dollar deductibles and premiums.
    • The Aetna Medicare Eagle plan is available for U.S. veterans in certain states.
    Cons
    • Some plans cover only preventive dental services.

    Bottom Line

    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.

  • 4. Wellcare

    Overview

    Wellcare has its finger on the pulse of Medicare-eligible Americans. Serving more than 1.2 million Medicare Advantage members and 4.1 million prescription drug plan members across the 50 states, Wellcare’s network and benefits are impressive. Falling under Centene Corporation, Wellcare now services one in 15 Americans. And they have plenty of Medicare Advantage perks! Many of their plans come with extra benefits built to save cash. From free gift cards and fitness membership to practitioner and over-the-counter product discounts, Wellcare makes penny-pinching a breeze.

    Pros
    • You can earn gift cards through the Wellcare rewards program.
    • Most health care plans include a free annual gym membership.
    • You may get access to a LifeMart membership for discounts on brand-name products and services.
    • You may be eligible for practitioner discounts for more than 40 types of complementary and alternative medicine, including acupuncture, chiropractic, and massage.
    • You may have access to the OTC4Me discount program for more than 500 over-the-counter items.
    • Wellcare’s Medicare Advantage offers several zero-dollar premium plans with a zero-dollar copay for preventative services.
    Cons
    • Medicare Advantage plans are not offered in all states.
    • Not all plans include dental.

    The Bottom Line

    Wellcare’s Medicare Advantage plans with dental may be cost-effective for many subscribers! Those 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 Medicare beneficiaries, including seniors, up for a healthy lifestyle. Keep in mind that plan benefits vary by location, and not all Wellcare plans include dental.

  • 5. Cigna

    Overview

    Cigna made our list for its impressive plan benefits, especially for preventive dental care. Some plans cover up to $1,500 for comprehensive dental coverage with no max dollar amount for preventive coverage. Many Cigna Medicare Advantage plans have zero-dollar monthly premiums and zero-dollar copayments for a wide range of dental services, including dental exams, teeth cleanings, and X-rays. Talk about extensive coverage!

    Pros
    • They offer a 7 percent household discount in most states when more than one person in your household enrolls in Medigap insurance
    • A 5 percent discount is offered when you enroll online
    • Customer service is based in the U.S., available via phone Monday through Friday from 8:30 a.m. to 8:30 p.m. ET
    • Enrollment in Cigna’s Healthy Rewards program is free and offers additional savings in areas such as weight management, massages, and wellness products
    Cons
    • Not all plans are available in all states
    • Pricing methods differ from region to region
    • Only offers Plans A, G, and N*
    • The process of getting online quotes can be challenging, depending on your state

    Bottom Line

    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.

  • 6. AARP from UnitedHealthcare

    Overview

    AARP from UnitedHealthcare offers zero-dollar premium plans with dental coverage. UnitedHealthcare serves over 6.5 million people with Medicare Advantage plans, and 2.5 million customers enjoy a zero-dollar premium. Dental coverage is available with most Medicare Advantage plans that also offer zero-dollar copays for in-network dental providers.

    Pros
    • They offer a large selection of plans, including A, B, D, G, K, L, and N*
    • You can apply to join AARP at the same time you apply for a Medigap supplement plan
    • You have more flexibility to switch to another Medigap plan if you qualify
    • An enrollment discount is offered in many states of up to 30 percent starting at age 65 and decreasing 3 percent thereafter
    • A 5 percent household discount is offered in most states
    • Free gym membership through Renew Active
    Cons
    • Premiums may be a bit pricier than at other insurers due to the community-pricing model
    • AARP membership is required

    Bottom Line

    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.

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 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 92 percent of Medicare Advantage plans in 2021 cover some dental.2 This is an increase from the 88 percent of Medicare Advantage plans that covered some dental in 2020.3

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.

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