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Does Medicare Cover Dental?
No, but you can still save an average of 50%* at the dentist.
- Savings on virtually all dental procedures
- No spending limits (unlike insurance)
- No deductibles or health restrictions
- Many plans include dental implant discounts
*Discount Health Program consumer and provider surveys indicate average savings of 50%. Savings may vary by provider, location, and plan.
Dental savings for Medicare users
Medicare doesn’t cover regular dental care. As a Medicare recipient, you need to make sure you’re protected from unaffordable and unexpected dental bills that Medicare won’t pay for.
Dental savings plans are a trusted alternative to dental insurance. With a dental savings plan you get unlimited access to reduced rates on virtually all procedures with no annual limits, for just one low annual fee. These plans are accepted by more than 140,000 dentists nationwide. And unlike traditional dental insurance, with a dental savings plan you get straightforward savings at over 140,000 dentists nationwide, with no annual spending limits, delays in accessing treatment, or health restrictions to worry about. Plan members report an average saving of 50%* on their dental care.
*Discount Health Program consumer and provider surveys indicate average savings of 50%. Savings may vary by provider, location, and plan. Savings range from 10-60% off.
Dental savings for Medicare Advantage users
Medicare Advantage plans often offer dental insurance, but on “zero premium” plans, the coverage may be limited to basic care (cleanings and checkups). You’ll may also have a limited network of local dentists, and a low annual maximum spending limit.
Whether you have Medicare Advantage dental insurance or not, dental savings plans – an affordable alternative to dental insurance – are a great complement to any Medicare or Medicare Advantage plan. You get straightforward savings at over 140,000 dentists nationwide, with no annual spending limits, delays in accessing treatment, or health restrictions. You get discounts on virtually every dental procedure, from preventive care to expensive treatments like root canals, dental crowns, bridges, dentures, and dental implants. Dental savings plan members report saving an average of 50%* on their dental care.
*Discount Health Program consumer and provider surveys indicate average savings of 50%. Savings may vary by provider, location, and plan. Savings range from 10-60% off.
What is a dental savings plan?
Dental savings plans are a trusted alternative to insurance that makes quality dental care simple and more affordable. A small membership fee entitles you to savings on just about every procedure.
Save an average of 50%*
Includes most procedures
Quick activation
No annual limits
No restrictions
Unlimited flexibility
*Discount Health Program consumer and provider surveys indicate average savings of 50%. Savings may vary by provider, location, and plan. Savings range from 10-60% off.
You can use both a dental savings plan and dental insurance to save on your dental care, however they cannot be used on the same procedure in accordance with your insurance policy’s rule.
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Frequently asked questions about Medicare and dental care
Does Medicare cover dental?
Medicare only covers dental procedures that are medically necessary for the treatment of covered conditions such as organ transplant, cardiac valve replacement, head and neck cancer treatment. Medicare does not cover routine or restorative dental care, such as dental exams, cleanings, fillings, crowns, bridges, and dentures.
Is AARP dental insurance worth it?
AARP® dental insurance plans often offer comprehensive coverage, and the slightly higher-than-average cost of the plans reflect this. AARP dental insurance is typically a solid choice for those whose dental care needs extend beyond regular cleanings and checkups. Check plan details to determine if AARP dental insurance is right for you.
What is the best dental coverage for Medicare?
There’s no single best plan for everyone. In general, if you typically only need cleanings and checkups, you may want to investigate dental insurance. If you don’t want to worry about annual spending limits, deductibles, authorizations or delays before you can access care, join a dental savings plan, the affordable alternative to insurance. Dental savings plan members report saving an average of 50%* annually on their dental care.
What is the best dental plan for seniors?
The best dental plan for you is determined by your dental health and budget, not your age. Make sure your dental savings plan includes discounts for the services you know (or may) need and check to see what dentists are in your plan’s network.
How much does Medicare dental insurance cost?
Many Medicare Advantage plans include or offer dental insurance. Some “zero premium” plans only offer basic dental coverage like cleanings and checkups. Other plans offer more comprehensive dental coverage, with premiums at around $270 per year. You can compare Medicare Advantage plan benefits and costs at medicare.gov.
Where to find dental insurance on Medicare?
Medicare does not include dental insurance. As a Medicare recipient, you can purchase your own dental savings plan or dental insurance from marketplaces such as DentalPlans.com, brokers or insurance providers. You can also join a Medicare Advantage plan that includes dental coverage, visit medicare.gov to review Medicare Advantage plans with dental insurance in your area.
Does Medicare Advantage cover dental?
Roughly 90% of Medicare Advantage plans offer some type of dental insurance. Coverage ranges from preventive care only (checkups and cleanings) to comprehensive coverage that includes restorative procedures. Plans that include restorative care usually require a premium, which can range from about $100 to $692 a year. The average annual premium for plans that include full coverage dental and other health benefits not included in basic Medicare is about $270.
What dental services are covered by Medicare?
Original or basic Medicare does not cover regular dental care or treatments. Medicare may cover some dental costs if a dental treatment must be performed in a hospital or is an essential part of a covered medical procedure. Medicare may also pay the hospital costs for medically necessary care for your jaw, teeth, or mouth.
Which Medicare Advantage plan has the best dental coverage?
The typical Medicare beneficiary has access to 43 Medicare Advantage plans. Which one offers you the best dental coverage is something only you can determine. Go to Medicare.gov, enter your zip code and some basic information, and filter the plans by dental. Look for plans that offer the best combination of covered treatments, annual spending limit and premium (if any) cost. Check to see which dentists accept the plan. And review dental savings plans as well, plan members report saving an average of 50%* annually on their dental care.
*Discount Health Program consumer and provider surveys indicate average savings of 50%. Savings may vary by provider, location, and plan.
