Medicare Dental Coverage | What are The Best Medicare Dental Plans

 Original Medicare (Parts A and B) does not cover most routine dental care, such as cleanings, fillings, extractions, or dentures. However, it may cover dental services that are medically necessary, such as those related to a hospital stay or certain jaw-related surgeries.

Best Medicare Options for Dental Coverage:

1. Medicare Advantage (Part C) Plans – Many of these plans include dental benefits, such as:

   • Routine exams, cleanings, and X-rays

   • Fillings, crowns, root canals

   • Dentures and implants (varies by plan)

   • Orthodontics (rare, but some plans offer it)

   🔹 Tip: Look for a plan with a high annual dental benefit limit and a broad provider network.

2. Stand-Alone Dental Insurance – If you have Original Medicare and want more comprehensive dental coverage, you can buy a separate dental insurance plan.

3. Medicare Supplement (Medigap) Plans – These do not include dental benefits, but they help cover other out-of-pocket costs related to Medicare.

Best Medicare Advantage Plans for Dental (Varies by Location):

• UnitedHealthcare (AARP Medicare Advantage)

• Humana Medicare Advantage

• Aetna Medicare Advantage

• Blue Cross Blue Shield Medicare Advantage

• Cigna Medicare Advantage

To get dental benefits, you’ll need to look into additional coverage options:

1. Medicare Advantage (Part C) Plans

   • Many Medicare Advantage plans include dental benefits.

   • Coverage varies by plan but may include preventive care, fillings, extractions, dentures, and even dental implants.

   • Check plans from providers like Humana, Aetna, UnitedHealthcare, and Blue Cross Blue Shield.

2. Standalone Dental Insurance Plans

   • You can purchase separate dental insurance from companies like Delta Dental, Cigna, or Guardian.

3. Medicare Supplement (Medigap) Plans

   • These don’t cover dental directly, but they help with out-of-pocket costs if you get separate dental insurance.

4. Dental Discount Plans (Like Dental One)

   • Some companies offer dental savings plans that provide discounts on services for a monthly or annual fee.