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Dental Coverage for Medicare Beneficiaries
You may be surprised to learn that Medicare Parts A & B do not cover most basic dental care, dental procedures, or supplies. This leaves you, the beneficiary, responsible for covering these costs, but there are several options to help cover the costs of dental care.
Medicare Dental Coverage Options
Medicare Advantage Plan
The first and most common option is a Medicare Advantage Plan. Medicare Advantage Plans (also known as Medicare Part C) provide an alternative to Original Medicare. Operated by insurance companies, these plans are legally required to offer at least the same benefits as Original Medicare, but often also include additional coverage such as dental, vision, prescription drugs, or health and wellness programs. These plans can sometimes come with no monthly premiums or co-pays.
Stand-Alone Dental Insurance
Coverage from a stand-alone plan can help ease the burden of out-of-pocket expenses. There is often a monthly premium for stand-alone insurance plans and there may be limitations on the provider you can visit.
Additional Dental Coverage
If your spouse is still working and is covered by a group dental plan, you may also qualify to receive coverage through that plan. Another option is a dental discount plan. With these types of plans, you typically pay an annual or monthly membership fee to receive discounted rates for any dental services received from an approved list of dentists.
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