Medicare Advantage Dental Coverage Vs. Discount Dental Plans

 Medicare Advantage Dental Benefits: 

The cost of dental coverage in a Medicare Advantage (Part C) plan varies depending on the provider, location, and level of coverage. However, on average:

• Monthly Premiums: Many Medicare Advantage plans have a $0 premium, but some can range from $40 to $100+ per month if they include extensive dental benefits.

• Deductibles: Some plans have a $0 deductible, while others may have a $150–$250 annual deductible for dental services.

• Copayments & Coinsurance:

  • Preventive care (cleanings, exams, X-rays): Often covered at 100% with no copay.

  • Basic services (fillings, extractions): Typically covered at 50%–80% after a deductible.

  • Major services (crowns, dentures, root canals): Usually covered at 20%–50%, with some plans requiring higher out-of-pocket costs.

• Annual Maximum Benefit: Many plans cap dental benefits between $1,000 and $2,000 per year, though some offer higher limits. 

Dental Discount Plan Benefits: 

LADD Dental Group offers the Dental One Discount Plan, an affordable alternative to traditional dental insurance that provides significant savings on dental care. Here’s a breakdown of the benefits and costs:

Benefits of Dental One:

✅ Immediate Savings – No waiting periods; discounts apply right away.
✅ No Annual Maximums – Unlimited use with no cap on savings.
✅ No Deductibles or Claims – No paperwork or insurance hassles.
✅ Comprehensive Coverage – Includes preventive, basic, and major dental services.
✅ Discounted Rates – Savings of 20% on most dental procedures.
✅ Applies at All LADD Dental Locations – Convenient access to multiple offices.
✅ No Pre-Existing Condition Limitations – All patients are eligible.

Estimated Cost of Dental One Plan:

💲 Annual Membership Fee:

• Individual Plan: ~$250 per year

• Family Plan: ~$200 per year for each additional family member added to the plan

💲 Typical Discounts:

• Preventive Care (Cleanings, Exams, X-rays): 2 basic cleanings, exams and 1 set of full X-rays per year are covered at 100% with no copay

• Basic Services (Fillings, Extractions, Sealants): 20% savings

• Major Services (Crowns, Root Canals, Dentures, Implants): 20% savings 

• No Annual Out-Of-Pocket Maximums 

The Dental One Discount Plan is a great option for patients without insurance or those looking for more cost-effective dental care.