Dental care is one of those things that we all need to take care of but often wait too long to address - some of us more than others :). Since root canals and bridges and other major services can be pricey, many of our clients want to know if Medicare covers any of the costs of routine dental care.
Original Medicare Part A and B does not cover routine dental visits and procedures such as filling, tooth extractions or dentures. Medicare can cover some expenses for dentistry-related hospitalizations. Most individuals on Medicare select a separate dental plan to address their regular dental needs.
While Medigap plans can cover your Original Medicare deductibles, copays, and coinsurance for dentistry-related hospitalization, generally Medigap does NOT cover dental. Medigap does offer stand-alone dental plans within the application as an additional product for purchase.
Medicare Advantage (MA) can cover dental but since MA plans are not standardized, coverage and benefits vary from plan to plan. If you are considering a Medicare Advantage plan that does offer dental, make sure to check the dentist network and the maximum payout (how much the MA plan will pay towards your dental in one year). That will help you know how robust the coverage is.
Usually stand-alone dental plans are rather inexpensive. In some states, as low as $10 a month. You can get a quote below to see how much it would cost in your area.
For further questions call an independent Senior65 agent at 800-930-7956 or click here to get a senior dental quote.
By Elizabeth Powell on September 02, 2016
I am on Medicare because I have a disability, therefore I am not 65, but 62. Am I still able to take advantage of a Plan F and Medigap plans? Which would be best for me?
By Terry on March 01, 2016
Can I sign up at any time for a Stand alone plan ? and Does it have to be a Medicare approved dental plan ?? I live in Georgia, my Dentist does not accept Medicare and I do not want to change dentist.
By Indy on September 18, 2015
Will dental cover orthodontics? I get terrible ear infections from TMJ. My ear doctor says that braces will help.
By Darrin Kleinbaum MBA on September 04, 2015
Too bad Dental isn't covered by Medigap. Then it would really cover all the gaps! Do you think any company will offer dental as part of Medigap in the future?
By Sam Mohoney on September 04, 2015
Thank you for finally explaining how dental coverage works with Medicare. This is the only site that uses plain english to explain Medicare, Medigap and Medicare Advantage. I had a question but it was the same as someones below so no need to ask it again. I just want to leave a quick comment to thank you for providing this service.
By Anonymous on September 03, 2015
Doesn't Medicare or the supplemental plans cover Dentures? It seems like every old person I know has dentures so I figured that was something you got from Medicare. Am I wrong???
By Cindy from Chico CA on September 03, 2015
Dental is so important to our health. I am almost 65 and I have never had a cavity. I cannot believe it isn't built into Medicare. Looks like I'm going to have to purchase a Medigap plan, Part D drugs and a dental plan. I'm not happy but at least I'll be protected! People who have made it to 65 who don't get the extra coverage must not value their health! No fake choppers for me!!!!!
By Bradley D on September 03, 2015
You say that dental could be as low as $8. What is the average cost? I never trust it when they say "as low as."
By Michelle Browne on August 13, 2015
I have a complicated procedure that needs to be done in the hospital. I know the dental service isn't covered by Medicare, but does the dental coverage cover my stay in the hospital or does Medicare or do I have to pay for it out of pocket?
By Wendy E. on July 16, 2015
Medicare and Medigap don't cover dental, so obviously Medicare Advantage is a better deal. Why would I want Medigap instead of Medicare Advantage? This is not clear to me.
By Bill R. on June 18, 2015
It seems that sometimes the out of pocket cap on what the dental plan will pay out does not make the dental plan worth it. Am I missing something?