Does Medicare Cover Dental? What You Need to Know...

Millions of beneficiaries rely on Medicare for a wide range of healthcare coverage. However, it's a common misconception that this coverage includes routine dental services. The reality is that dental coverage under Original Medicare is very limited, which can leave beneficiaries with significant out-of-pocket costs if they aren't aware of what is and isn't covered.

Even with the best dental hygiene, an unexpected trip to the dentist for a fracture or decay can lead to discomfort and pain as we age. The financial burden can be a major barrier to care. A 2018 KFF analysis found that the average out-of-pocket spending on dental care for Medicare beneficiaries who used services was $874. In fact, nearly half (47%) of all Medicare beneficiaries had no dental coverage in 2019, according to KFF.

How to Get Dental Coverage as a Medicare Beneficiary

While Original Medicare doesn't cover most dental care, there are several options for beneficiaries to get the coverage they need:

• Medicare Advantage Plans: Some Medicare Advantage plans may bundle in supplemental dental benefits. A 2024 analysis found that almost all Medicare Advantage enrollees are in a plan with some form of dental coverage. However, it's important to note that the scope of this coverage can vary widely, with some plans offering only preventive services and others having annual spending limits.

• Private Dental Insurance: Stand-alone dental insurance policies are sold by private companies to Medicare beneficiaries. These plans often have a monthly premium and may have their own deductibles and coverage limits.

• Dental Discount Plans: These are not insurance but can help members save money on dental services by providing access to a network of dentists who offer services at a reduced rate.

• Community Resources: Local foundations and governments may offer discounted dental clinics or programs for seniors, people with disabilities, and low-income individuals. You can often find information about these resources at a local senior center or community organization.

Your oral health is a crucial part of your overall well-being. Don't let a lack of coverage prevent you from making your smile a top priority. If you need help understanding your options, give us a call for a free consultation. We can help you navigate the choices and find a solution that works for you.