How to Get Better Medicare Dental Coverage

Medicare Benefits

Sep 1, 2021

Regular dental care is important for everyone, but if you’re eligible for Medicare, you may be concerned about the limited dental coverage with Original Medicare or your current Medicare Advantage (MA) plan.

Regular dental exams, cleanings, fillings and x-rays can play a pivotal role in identifying and treating tooth and gum problems. Thankfully, there are ways to get better coverage for these dental services if you’re eligible for Medicare.

Medicare Advantage plans are required to provide at least the same coverage as Original Medicare Part A and Part B, but many plans offer additional benefits, including routine dentist visits and procedures. MA plans vary in dental coverage and costs, though. There may be a Medicare Advantage plan in your area that will help pay for visits to a dentist, cleanings, x-rays, fillings, root canals and more, without costing you much more in monthly premiums.

Additional dental coverage with Medicare Advantage plans

All Medicare Advantage plans will include Part A and Part B benefits for certain medically necessary dental procedures, including some outpatient oral surgeries, but routine dental care can vary among MA plans.

Some Medicare Advantage plans may cover more than others when it comes to dental services. Explore your options and compare benefits and costs, like premiums, copayments, and out-of-pocket expenses.

Some Medicare Advantage plans may cover:

• Dentures
• Bridges
• Extractions
• Crowns
• Implants
• Fillings
• Cleanings
• X-rays

When can you switch to a Medicare Advantage plan with additional dental coverage?

If you are currently enrolled in a Medicare Advantage plan that doesn’t give you enough dental coverage, you may be able to switch to another MA plan during the following enrollment periods:

• The Annual Election Period (AEP) runs from October 15 to December 7 every year. Coverage under your new plan starts on January 1.
• The Medicare Advantage Open Enrollment Period goes from January 1 to March 31 annually. During this period you can switch one time to a different MA plan if you’re enrolled in one.
• You may qualify for a Special Enrollment Period (SEP) if you experience certain life events, such as moving out of your current plan’s service area.

Will a Medicare Advantage plan help you save money on dental services?

Dental services are vitally important to your overall health. Problems in your teeth, mouth, and gums can lead to the development of bacteria, infections, cardiovascular problems and more. Getting regular dental check-ups can help identify issues before they cause more serious complications.

Dental care can be quite costly depending on your needs and where you live, so having coverage can help protect your health and your budget. A Medicare Advantage plan with dental coverage may provide the solution you’re looking for. Working with a licensed Benefits Advisor to find a Medicare Advantage plan with additional dental coverage can save you time and money.