Unfortunately, Medicare doesn’t cover most dental services. Unless you have another form of dental insurance, you’ll most likely have to pay out-of-pocket for routine services such as exams, cleanings, crowns, and fillings.
When Does Medicare Cover Dental Work?
Medicare provides you coverage for dental work in certain circumstances when it’s vital to your health. For instance, if you need an oral exam before an organ transplant, Medicare will most likely pay the service. If you’re in doubt about whether your procedure qualifies, check with your provider first.
Does Medicare Cover Oral Surgery?
Oral surgery is covered, but only in specific cases. The operation must be considered medically necessary, like a jaw reconstruction. However, if you need any post-surgery exams, you’ll most likely be responsible for that bill yourself. Again, you should check with your provider for more information. They’ll be able to help you get a better understanding of which costs you’ll be responsible for.
Does Medicare Cover Dental Implants?
No, Medicare doesn’t cover dental implants. Dental implants fall under routine dental care, and therefore don’t qualify.
Does Medicate Cover Dentures?
Medicare doesn’t cover dentures. Dentures aren’t considered medically necessary, and Medicare won’t pay for the cost of the dentures or exams to have them fitted.
What are the Options for Dental Insurance for Seniors on Medicare?
Good dental health is important to our overall wellbeing, but the maintenance can be expensive. Medicare alone doesn’t offer many dental benefits, so it’s essential to consider your options for dental insurance.
Dental Coverage Under Medicare PACE
Among other benefits like physical therapy and adult daycare, PACE provides low-income seniors dental care. To enroll, you must be eligible for both Medicare and Medicaid.
Medicare Advantage Dental Plans
Some Medicare Advantage plans offer dental insurance. Plan details can vary from carrier to carrier, but often include coverage for routine services like your biannual cleanings.
It can be convenient to have a dental plan provided through a Medicare Advantage plan, but there are some potential drawbacks to consider. Advantage plans can make changes to the benefits they offer every year, so your dental plan could be modified or eliminated. Many of these plans also require you to use a specific network, which means you may not be able to see your preferred dentist. Finally, if you don’t like the health coverage offered from an Advantage plan, it may not be worth it to sign up for one just for the dental benefits.
Supplemental Dental Insurance for Medicare Recipients
Your third option is to purchase a standalone dental insurance plan This allows you to choose the health and dental coverage you prefer, without having to sacrifice one for the other.
These plans are commonly purchased by people with Medicare Supplements, and in many cases, can be purchased by Medicare Advantage enrollees as well. Typically, standalone dental plans are guaranteed renewable, which means that you won’t have to worry about losing your coverage at the end of the year. Because these plans aren’t bundled in with your health policy, you can shop for the one that fits your needs best.
Medicare does cover some dental services, but only in limited situations. Because of this, it’s not likely that you’ll have your dental work covered unless you purchase another form of insurance. You can prevent having to pay out-of-pocket for all of your dental needs by buying a dental insurance plan.
Nothing on this website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.