- Find A Local Agent
- Consumer Information
- Agent Center
- Medicare News
- Request a Quote
Dental Medicare Coverage is important for seniors. Some Medicare plans include dental benefits as a no-added cost bonus. But the services and amounts covered vary. There are also stand alone senior dental plans that can be of significant value. Here are some facts about dental Medicare coverage:
Finding the best Medicare dental insurance for your needs can be confusing. There are plans included with Medicare Advantage plans. Also, stand-alone senior dental plans offered by numerous insurers. The Association does not sell insurance.
We do suggest you connect with at least one local Medicare insurance specialist. He or she will be a great resource to start your process of learning more.
Access the Association’s free directory. Simply enter your Zip Code and find agents near you.
Yes. Seniors definitely can benefit from having dental insurance. When seniors retire and join Medicare, they often lose dental benefits offered by their job. Or, they have private insurance that has gotten expensive.
Do you need dental coverage? Consider these findings from the Centers for Disease Control and Prevention:
Most Medicare Advantage dental plans included with your MA plan will cover preventive dental services. These include oral exams, dental x-rays, cleaning and even fluoride treatments. Each plan, however, will define specific limits. Most cover 100% of x-rays and cleanings. Some only cover a percentage of the cost for fillings or other services.
Plans generally have maximum out-of-pocket limits. While the average annual limit on dental coverage was $1,300 in 2021, more than half of enrollees were in a plan with a maximum benefit of $1,000 or less. Some had limits of $500.
At older ages, less common dental needs are often essential. Here’s where costs can really add up and the differences among plans can be especially important. As an example, most Medicare Advantage dental plans do not cover or pay for implants. If you are prone to needing implants, a plan that does could be a significant money saver. Our research found a plan that reimburses up to $2,000 annually.
Choose a DHMO plan because they are typically lower cost. That’s good. Don’t choose if you don’t want a defined provider network. These plans generally only cover in-network dental coverage. Be aware that if you get treated by a dental provider outside of the designated network, you will pay the costs yourself.
Be aware that DPPO plans typically cost more than DHMO plans. They do typically offer more flexibility. You can likely can be treated by a dentist not in the designated provider network. But there still might be at a cost. Read the details carefully.
Understand that fee-for-service plans can also be called dental indemnity plans. These plans allow you to see any dentist you want. Make sure the dentist will accept the insurance. Then, the plan pays a percentage of the dental services. You pay the rest of the costs.
Here are some tips to find the best dental insurance for seniors on Medicare.
The American Association for Medicare Supplement Insurance strives to provide the best Medicare insurance information. If there is information you can’t find, please feel free to contact us.
Our Medicare insurance information center is a great resource for the latest information, statistics and data pertaining to Medicare, Medicare Advantage, Medigap and Medicare drug plans.
Find latest Medigap Price Index – lowest and highest prices for top-10 U.S. markets.