As you begin to select the Medicare plan that will be best for you, questions will arise as to whether certain services are covered or not.
If you are concerned about dental care, it’s important to know what is and isn’t covered.
Does Medicare Cover Dental?
Medicare Part A and Part B, also known as Original Medicare, does cover some dental care. However common dental care services such as your routine dental care, teeth cleaning, X-rays, fillings, and dentures are not covered. If these services are important to you, you can obtain coverage with certain plans, but you will need to do your research.
Because Part A is hospital insurance, and Part B is medical insurance, usually the only time dental would be covered is if you have a traumatic injury to your teeth, mouth or jaw that requires hospitalization or surgery at the hospital.
Which Medicare Plans Cover Dental?
Medicare Part C, also known as Medicare Advantage, offers a variety of plans through private insurance companies approved by the government Medicare program. These plans may also offer extra programs and services not covered by Original Medicare, including dental coverage. Depending on the state and county you live in, these plans and their benefits change, so be sure to do your research.
Additionally, it is important to note that not all Medicare Advantage Plans cover dental. This means it is extremely important that before you sign up, you read the details of what the plan covers. If you want or need dental coverage under Medicare, make sure the Medicare Advantage Plan you choose includes the dental coverage that fits your needs and budget.
How Do I Get Dental Coverage on Medicare?
If your Original Medicare Plan doesn’t give you the dental coverage you want or need, there are other options you can consider. These options include:
- Buy a standalone plan
- Private insurance companies will offer a variety of plans to choose from, depending on where you live, state and county.
- Low cost clinics
- Many areas offer affordable walk-in dental clinics. Additionally, some universities and dental schools offer free or low-cost dental clinics for students in training.
- Contribute to an HSA
- If you are under 65 years of age, you can contribute to an HSA plan. When you start receiving Medicare, you won’t be able to keep contributing. You will be able to use any funds previously contributed.
Oral health is extremely important. Make sure when selecting your Medicare Plans, you determine what services are covered and if you should explore Medicare Part C which would include much more dental coverage.