Medicare & Dental Care: What You Need to Know!

Many Medicare beneficiaries are surprised to learn that Original Medicare (Parts A & B) does not cover routine dental care. Since oral health is essential for overall well-being, it’s important to understand what is and isn’t covered under Medicare and explore options to help with dental costs. Let’s break down everything you need to know about Medicare and dental care.

Does Medicare Cover Dental Care?

What’s NOT Covered?

Original Medicare does not cover: ❌ Routine dental exams❌ Cleanings and fillings❌ Tooth extractions❌ Dentures, bridges, or dental implants

What’s Covered?

Medicare Part A may cover limited dental services if they are necessary for another covered medical procedure. This includes: ✅ Emergency dental care performed in a hospital✅ Jaw-related procedures (e.g., after an accident or facial injury)✅ Oral exams before a kidney transplant or heart valve replacement✅ Hospital stays required for dental-related surgeries

However, Medicare will not cover follow-up dental care after these procedures.

How Can You Get Dental Coverage with Medicare?

Since Original Medicare has limited dental benefits, many beneficiaries choose one of the following options for additional coverage:

1. Medicare Advantage (Part C) Plans with Dental Benefits

• Many Medicare Advantage plans include dental coverage for routine cleanings, x-rays, fillings, and dentures.

• Coverage varies by plan, so it’s essential to compare options.

2. Standalone Dental Insurance Plans

• Private dental insurance plans offer more comprehensive coverage, including major dental procedures.

• Monthly premiums vary, but they can be a cost-effective option for frequent dental care.

3. Dental Discount Plans

• Not insurance, but these membership programs provide discounts on dental services.

• Can be an affordable alternative for those needing occasional dental work.

4. Medicaid and Low-Income Assistance

• Medicaid may cover dental care in some states for qualifying low-income individuals.

• Check with your state’s Medicaid program to see what’s available.

  
  

How to Save on Dental Care with Medicare

💡 Choose a Medicare Advantage plan that includes dental benefits.💡 Shop around for standalone dental insurance that fits your needs.💡 Look for community health clinics that offer low-cost or free dental services.💡 Check with local dental schools for discounted dental care from supervised students.

Final Thoughts

While Medicare does not cover routine dental care, there are many ways to ensure you get the treatment you need. Medicare Advantage plans, standalone dental insurance, and discount programs can help fill the gaps and keep your smile healthy.

Need help finding a Medicare plan with dental benefits? Lindbergh and Associates is here to guide you!

📞 Call us today or schedule a free consultation to explore your Medicare dental care options!