Does Medicare Cover Dental?
No, Original Medicare does not cover dental benefits. However, you can add additional coverage through an optional Medicare Advantage or Medicare Supplement (Medigap) plan. If you’re currently shopping for Medicare plans, we’ll explain exactly how to get dental health care included in your health care coverage.
Medicare Plan Overview
First, let’s take a brief look at what Original Medicare covers.
|Part A|| || |
|Part B|| || |
|Part C|| || |
|Part D|| || |
* Not all Medicare Part C Plans cover these items.
As you can see from the chart, Medicare Plans B and D do not cover dental.
Plan A might cover some dental needs if it pertains to non-dental procedures already covered. Examples include tooth extraction prior to tumor removal surgery and an oral exam prior to a kidney transplant.
Plan C, also known as a Medicare Advantage plan, might offer dental coverage. Be sure to review your Medicare Advantage plan to determine if it gives you the dental coverage you need. Medicare Advantage plans that cover dental care are typically split into two options: preventative or comprehensive dental coverage.
|PREVENTATIVE DENTAL COVERAGE||COMPREHENSIVE DENTAL COVERAGE|
|Teeth cleaning||Teeth cleaning|
|Routine exams and treatments including x-rays and fluoride||Routine exams and procedures including x-rays and fluoride|
|Most dental procedures|
*If oral surgery is needed due to an accident that requires hospitalization, Part A might cover part of the cost. The same applies to oral surgery required to perform a covered non-dental service.
Be aware! Some Medicare Advantage plans come with a yearly cap for covered dental expenses. If you find yourself in need of more than one extraction, multiple fillings, or significant oral surgery, you could hit the cap sooner than expected and will be required to pay out-of-pocket dental expenses.
How to get Medicare Dental Coverage
If your Original Medicare coverage doesn’t include dental health care, what should you do? Thankfully, there are several options open to you.
Dental benefits range from preventative to comprehensive and are priced accordingly. Check your Medicare Advantage plan options thoroughly to determine whether your plan includes enough dental coverage.
Most Medicare Supplement insurance, or Medigap plans, do not offer dental. If you live in a state with industry-leading practices, you might find a policy that provides it. Check your Medigap plan thoroughly to determine whether any dental coverage is offered.
You can purchase dental insurance plans from a private insurance company. Individual dental health plans will come with a separate monthly premium, so if your budget is tight, Medicare Advantage might be your best option.
Spouse’s Dental Plan
If your spouse has dental insurance through an employer, you may qualify for coverage under their plan. Keep in mind that this will come with a monthly premium in addition to the premium your spouse pays.
PACE stands for Programs of All-Inclusive Care for the Elderly. This coverage is for the elderly who need nursing home-level care, whether at home or in a facility. PACE is a Medicare program that provides necessary dental coverage in addition to other needs.
Before you turn 65, you are eligible to open a Health Savings Account. An HSA is a savings account you contribute a set amount of pre-tax income to. What’s in the account can only be used for medical costs. After you are 65 and enrolled in Medicare, you cannot contribute to the HSA. You are, however, able to use what is in your HSA for your dental care.
Making the Choice
Obtaining dental health care coverage is just as important as your regular health care. A decline in oral health can impact your entire body, so it’s imperative to find out if your current Medicare coverage includes dental. Whether you find a plan through Medicare Part C or use another method, you’ll be investing in your future. To determine your Medicare eligibility and rates, ask for a Medicare quote today.
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