Medicare Part A (Hospital Insurance) covers certain dental treatments receive while in hospital. Even though it doesn’t cover dental treatment, Part A can pay for inpatient hospital care if you need emergency or complicated dental procedures.
The most common dental services are:
- Dental Bonding
- Dental Crown
- Cosmetic Fillings
- Dental Veneers
- Teeth Cleanings
- Root Canal Therapy
- Dental Sealants
- Teeth Whitening
- Tooth Extractions
If you’re of age 65 or above, then you’re eligible for Medicare. Original Medicare (Parts A and B) includes hospital and medical insurance, but not routine dental treatment such as dentures, cleanings, fillings, and extractions. Original Medicare only covers dental in an emergency or complex instance. You’ll undoubtedly need a dental plan if you want coverage for routine dental care.
Where can I find Medicare Dental Plans?
There is no stand-alone dental insurance available through Medicare in addition to the original Medicare. The only option to get dental coverage under Medicare is to enroll in a Medicare Advantage plan with dental benefits. Another option is acquiring your Medicare Part A and Part B coverage through a commercial insurance firm with a contract with Medicare. Medicare Advantage programs must cover all that the Original Medicare covers and most plans go above and beyond. Routine vision, routine hearing, prescription medication coverage, and dental coverage may be included as additional benefits of Medicare Advantage plans. Remember that dental coverage differs from a Medicare Advantage plan, making sure you understand what yours entails. When selecting a plan, keep your future needs in mind. For example, you might not require dentures now but will in a few years.
What do Medicare Dental Plans cover?
According to the Centres for Medicare and Medicaid Services (CMS), Medicare Advantage plans may cover:
- Routine dental services
- Diagnostic services
- Restorative services
- Endodontic/periodontal/extractive and prosthodontics
- Oral/maxillofacial surgery
What other Medicare plans cover dental besides Medicare Advantage?
You may be familiar with the Medicare Supplement (Medigap), which helps cover some Medicare out-of-pocket costs like coinsurance, copayments, and deductibles. However, in most cases, the Medicare Supplement helps pay for what the original Medicare does not cover. The typical Medicare Supplement coverage does not include routine dental, routine vision, routine hearing, or prescription drug coverage. Dental operations are usually covered by the Medicare Supplement in emergency or complicated cases, such as hospitalized patients, and require oral surgery. Routine dental treatment, such as check-ups, x-rays, cleanings, and extractions, is usually not covered by the Medicare Supplement.
What are other ways to get senior dental coverage?
To assist in paying for out-of-pocket dental costs, you can purchase a stand-alone dental plan that is not linked to Medicare. Monthly premiums and maximum annual benefits apply to the majority of these stand-alone plans.
A dental discount plan may be of interest to you. A dental discount plan costs a fee in exchange for reduced rates from a specific group of dentists.