Dental care is a big priority for those turning 65. At the age of 65 you are eligible for Medicare, but what about dental insurance? There are different Medicare plans that vary in terms of coverage. Some plans are provided by the federal government and others are provided by private insurance companies.
When it comes to what Medicare covers, a common question arises: does Medicare cover dental? Here’s how dental coverage works under Medicare and what supplemental coverage options are available to ensure your dental care needs are covered. The good news is that if Medicare doesn’t cover your procedure, there are Medicare Advantage plans and supplemental plans that can cover what Medicare doesn’t.
Medicare and Dental Coverage: Know the Specifics
The short answer is that original Medicare does not cover most dental services. Note the keyword “most” because there are a few situations where Medicare would cover dental services. If a dental emergency were to occur, such as a traumatic injury affecting the teeth, jaw, or mouth that resulted in hospitalization, Medicare coverage would apply. Medicare Part A is for hospital coverage and Part B is for medical coverage. A traumatic injury affecting the mouth would be considered a hospital and medical need.
Do Medicare Advantage Plans Cover Dental?
Medicare Advantage Plans, which fall under Medicare Part C, may include dental coverage. Medicare Advantage Plans are provided by private insurance companies, and each plan is different depending on the provider. Dental services covered could range from basic cleanings to extractions, among other procedures. When comparing Medicare Advantage Plans, consider the types of dental services you are more likely to need based on your dental history.
At Norgard Insurance Group, we are very personal and take the time to sit with each of our clients to answer any questions they have before, during and after their Medicare enrollment process. Following is a breakdown of the most common Medicare dental coverage questions we come across. If we didn’t answer your question below or you have a specific dental procedure you’re considering, feel free to call us at 813-454-5072.
Does Medicare Cover Crowns?
Original Medicare does not cover crowns. But a Medicare Advantage plan might cover crowns. If you choose a Medicare Advantage plan that includes prosthodontics (crowns, bridges, implants, and dentures) then crowns will be covered. Make sure you understand what is covered by any plan before you purchase it.
Does Medicare Cover Dental Fillings?
Dental fillings are not covered under original Medicare, but as with crowns, a Medicare Advantage plan may cover dental fillings. If the plan covers restorative procedures, which refers to any dental procedure that preserves or repairs a tooth, then fillings should be included.
Does Medicare Cover Root Canals?
By now you’ve probably guessed that original Medicare will not cover root canals either. But with the right Medicare Advantage plan, your root canal may be covered. Endodontics, which refers to dental services that preserve or treat the root of a tooth, can be covered under certain plans, which includes root canals.
Does Medicare Cover Cavities?
Cavities are holes in the teeth created by bacteria that eat away at the enamel. The treatment for a cavity is a dental filling, which was mentioned above as not covered by original Medicare, but may be covered by a Medicare Advantage plan.
Is Dental Insurance Available as a Medicare Supplement?
If you choose to enroll in original Medicare Part A and B, you can still purchase supplemental dental coverage from a private insurance provider. This is an option for those who opt for original Medicare over a Medicare Advantage Plan. Medicare supplemental plans are designed to cover the out of pocket costs that Medicare doesn’t cover.
Not Sure Which Option is Best For You? Norgard Insurance Group is Here to Help
Medicare enrollment can be overwhelming and maybe even a bit confusing. There is so much information and so many options to consider, you may be unsure what coverage you need. You don’t want to pay for more coverage than you will use, but you don’t want to find yourself without coverage when you need it.
Rely on Norgard Insurance Group to help you navigate through the process of Medicare enrollment. Let us be your trusted advisor to make sure you get the best coverage for your needs. We offer a wide range of Medicare Advantage plans that include dental coverage, as well as Medicare supplement plans that can accompany your original Medicare coverage to help with your dental expenses. Here’s our guide to open enrollment that gives you all the information you need to get started with Medicare.