If you’re a Medicare beneficiary, you might wonder if dental services are covered. Unfortunately, Original Medicare doesn’t cover routine dental. But, you can buy a dental plan alongside Medicare to pay for cleanings, exams, and dental care. Another option is an Advantage plan with dental benefits.
We’re here to help you make the right decision for your dental care needs and explain when Medicare covers dental services.
Does Medicare Cover Dental in 2021
Medicare doesn’t cover routine dental care such as cleanings, fillings, root canals, and extractions. Part A and B will only cover dental services if they’re necessary for another medical procedure. For example, Part B may pay for a dental exam before a kidney transplant or heart valve replacement. Further, Part A covers tooth extractions as part of reconstructive jaw surgery after an accident. Almost all dental care falls outside these narrow exceptions.
If you want help paying your dental bills, you have three options:
A Medicare Advantage plan, including dental coverage
A standalone dental plan
A dental discount plan, which isn’t insurance, but gives you a discount on services
Does Medicare Cover Oral Surgery?
Some dental plans cover gum surgery. If you have one of these plans, you’ll probably have to pay a percentage of the bill. Most dental plans also will only pay up to a certain amount in claims each year. If you’re having dental surgery because of an accident or jaw cancer, Medicare may cover your surgery.
Does Medicare Cover Dentures?
Medicare doesn’t cover dentures, but some dental plans do. Insurance may not pay 100% of dentures’ cost, but it can help lower the bill. If you need dentures, look for a plan that includes denture coverage.
Does Medicare Cover Dental Implants?
Some Medicare dental plans cover dental implants. Implants can be an excellent alternative to dentures. You can, however, expect to pay part of the cost of any major dental work. Your dental plan may have a limit on the amount it will pay out in claims each year.
Does Medicare Cover Wisdom Teeth Removal?
Medicare won’t pay for wisdom teeth removal, but some dental plans will. As with any other major dental procedures, you’ll probably have to pay part of the cost.
Does Medicare Cover Oral Exams?
No, Medicare won’t cover an oral exam. But, some companies sell Medicare dental plans – either alone or bundled with Advantage. Each company is different, and some only carry benefits. Even the most basic plans should cover preventive services like dental exams and x-rays. Sometimes you’ll have a copay.
Your insurance may pay the full cost of an exam, or you may have to pay part of the bill. Your plan may also require you to choose a primary dentist or use the dentists in the network.
If you need a dental exam because you’re having a kidney transplant or heart valve replacement, Part B may cover your exam, but it won’t cover any dental work you need.
Does Medicare Cover Teeth Cleanings?
Medicare won’t cover dental cleanings. But, basic dental cleanings are a service that most dental plans cover. A dentist may suggest an in-depth cleaning if you have gum disease or haven’t had your teeth cleaned in a while. Most likely, you’ll pay more for these types of cleanings.
Does Medicare Cover Invisible Aligners?
Invisible aligners like Smile Direct Club help straighten teeth but aren’t as noticeable as braces. Medicare won’t cover invisible aligners. But, some insurance companies usually treat aligners the same as braces. If your dental insurance includes orthodontic work, it will typically cover aligners.
With that said, it may be hard to find insurance that includes adult orthodontic coverage. If you do, you can expect to pay a percentage of the cost. Another option is to buy into a dental discount program that offers a discount on aligners.
Does Medicare Cover a Root Canal Treatment?
Original Medicare doesn’t cover root canal treatments. Advantage plans with dental coverage often include partial or full coverage for such procedures. You’ll likely have to use a dentist in the Advantage plan’s network.
Does Medicare Cover an Abscess Tooth?
An abscess is an infection in your gum or at the root of a tooth. If you develop an abscess, your dentist may perform a root canal treatment or pull the tooth. The dentist may also prescribe antibiotics. Many dental policies cover root canal treatments, but you’ll have to pay part of the cost. Your Part D plan should pay for antibiotics your dentist prescribes. If the infection spreads and becomes more severe, Part B will cover a doctor’s care, and Part A will cover hospitalization.
Does Part C Cover Dental?
Some Advantage plans include dental insurance, and others don’t. Coverage can vary. Some plans cover only standard services, and others cover a wide range of dental procedures. Research plans, so you understand what’s included before signing up. Advantage plans often include vision and hearing benefits as well.
Does Medicare pay for dental surgery?
Medicare only pays for dental surgery in a few specific situations, such as when you have jaw cancer or need reconstructive surgery after an accident. Most oral surgery isn’t covered. If you have dental insurance, it may pay part of the cost of surgery. But your specific benefits will depend on your plan.
Does Medicare cover tooth extraction?
Medicare covers tooth extractions to prepare you for radiation treatment for jaw cancer. Otherwise, it won’t pay for a tooth extraction. If you have a dental policy or an Advantage plan covering dental, your plan may cover extractions.
Does Medicare Part B cover dental?
Part B only covers a few types of dental work that are essential for another procedure, like reconstructive surgery after a car accident.
Do Medicare Supplements cover dental?
Medicare Supplements cover the same procedures as Medicare. Since Medicare doesn’t cover routine dental services, Medigap doesn’t cover them either. But you can buy dental insurance to cover the services you need.
How Seniors on Medicare Can Get Dental Benefits
Many people find dental bills go up as they get older. Crowns, extractions, gum surgery, implants, and dentures are costly. A good dental plan can help you stay on top of cleanings and make it easier to afford major procedures.
Dental plans can cost as little as $9 and range to $63+ per month. However, the average plan is about $35 per month. Humana is one of the most popular carriers for senior dental insurance.
Also, an indemnity solution we offer costs about $1 a day and there are no networks for dentists, audiologists, or optometrists. To learn about the details, give us a call at the number above.
We can help you find the policy that’s best for you. From dental insurance to Medigap coverage, we can walk you through everything you need. Just call the number above or fill out our online rate form.
About This Site
MedicareFAQ.com (hereinafter “the Site” or “this Site”) is an online resource for people seeking to learn more about their insurance options. Elite Insurance Partners LLC does not endorse any particular insurance plan, provider, or agent. Any information provided about any particular insurance plan, provider, or agent shall not be construed as an endorsement by Elite Insurance Partners LLC.
Copyright and Proprietary Rights Information
This website is owned and maintained by Elite Insurance Partners LLC. No content or images may be downloaded or reproduced without our prior and explicit consent.
While every effort is made to ensure the accuracy of the content of medicarefaq.com, we cannot be held accountable for typographical errors, errors of fact, or any other error or inconsistency found on this website. We hereby disclaim all liability from any damages resulting from the use of this website, or any services provided on any Elite Insurance Partners LLC website.
Links to Third Party Sites
This Site may contain links to sites that are controlled by third parties. These linked sites are not under the control of Elite Insurance Partners LLC, and Elite Insurance Partners LLC is not responsible for the contents of any linked site or any link contained in a linked site.
Information Collected by Elite Insurance Partners LLC
Elite Insurance Partners LLC uses this website to collect personally-identifiable information. When you use our service, you are authorizing the sharing of your inquiry and your personal information with Elite Insurance Partners LLC. The personal information we collect may include, but is not limited to:
These technologies help companies measure the effectiveness of ads, content, user experience and other marketing activities.
How Information Is Collected
We only collect your personally-identifiable information when you choose to share it with us. We will not collect any personally-identifiable information without your consent. The information you choose to share with us may be collected through this website, another website in the Elite Insurance Partners LLC network, or collected over the phone by one of Elite Insurance Partners LLC licensed insurance agents.
Cookies and other technologies, such as web beacons or tags, may be sent to visitors of this website. “Cookies” are text-only pieces of information that a website transfers to an individual’s hard drive or other web site-browsing equipment for record-keeping purposes. Cookies allow the website to remember important information that will make your use of the site more convenient. A cookie will typically contain the name of the domain from which the cookie has come, the “lifetime” of the cookie, and a randomly generated, unique number or other value. A “beacon,” “tag,” or “tracking pixel,” is a one pixel by one pixel image placed on a web asset or email. When your browser connects to a web page and the web page contains a web beacon image, your browser makes a request to the web server to download that image — and with this request, the server logs certain details like your IP address, the date and time, and more.
With cookies, web beacons and other technologies, the information collected and used is always anonymous and does not enable any third-party to identify you individually.
How Information Is Used & Opting-Out
By choosing to submit your personally-identifiable information to us, you are authorizing Elite Insurance Partners LLC to use this information for any purpose in our sole discretion. An Elite Insurance Partners LLC licensed agent may contact you by phone, email, mail, or other form of communication to fulfill your inquiry and provide you with other offers you may be interested in. You expressly consent to receive these communications whether you are on any Federal or state DNC (Do Not Call) and/or DNE (Do Not Email) list or registry.
Although it is our hope that you find this service valuable, if you would prefer not to participate, you can opt-out of this activity at any time by following the browser-specific instructions at the following link: https://www.usa.gov/optout-instructions
If you no longer wish to receive further communications from Elite Insurance Partners LLC, you may “opt-out” at any time and we will remove you from our mailing list within 10 days. You may opt-out of receiving emails by following the “Unsubscribe” link at the bottom of our emails, or by contacting us via the information below.
Elite Insurance Partners LLC 34125 Us Highway 19 North – Unit 200 Palm Harbor, FL 34684 email@example.com 1 (800) 845-2484
Changes to This Policy
This website is owned and operated by Elite Insurance Partners LLC.
Aetna Health and Life Insurance Company (An Aetna Company)
American Continental Insurance Company (An Aetna Company)
American Retirement Life Insurance Company (A Cigna Company)
Anthem Blue Cross Blue Shield
Blue Cross Blue Shield
Central States Indemnity (A Berkshire Hathaway Group Company)
Continental Life Insurance Company (An Aetna Company)
ForeThought Life Insurance
Gerber Life Insurance
Government Personnel Mutual
Individual Assurance Company
Loyal American Life Insurance Company (A Cigna Company)
Mutual of Omaha
New Era Life Insurance
Omaha Insurance Company (A Mutual of Omaha Company)
Philadelphia American Life Insurance
SilverScript (A CVS Caremark Company)
Standard Life and Casualty
Stonebridge Life Insurance (A TransAmerica Company)