One of the most common surprises for people new to Medicare is learning that dental care is not automatically included in Original Medicare. If you’re approaching age 65, it’s important to understand exactly what dental services Medicare covers and what it doesn’t so you can plan your health care and budget accordingly.
What Does Original Medicare Cover for Dental?
Original Medicare (Parts A and B) does not cover routine dental care. That means no coverage for cleanings, fillings, extractions, dentures, or implants. The only time Medicare will pay for dental services is if they are part of a medically necessary procedure.
For example:
- Medicare Part A may cover dental work if it’s required for a hospital-related procedure, such as tooth extractions before a jaw surgery.
- It might also cover emergency dental services if they are performed during a covered hospital stay.
However, preventive and routine dental care is not included.
How Do People on Medicare Get Dental Coverage?
Since Original Medicare doesn’t offer full dental benefits, many beneficiaries look to other options:
1. Medicare Advantage Plans (Part C):
Most Medicare Advantage plans include dental coverage. These plans are offered by private insurance companies and may cover:
- Routine cleanings and exams
- X-rays
- Fillings
- Extractions
- Dentures or partials
However, coverage levels vary by plan. Some may include basic dental only, while others offer more comprehensive benefits. Always review the details of the dental benefits before enrolling.
2. Standalone Dental Insurance:
You can also purchase a separate dental insurance policy that covers routine and major dental services. These policies are often similar to what you may have had through an employer.
3. Discount Dental Plans:
These are not insurance, but they offer discounted rates with participating dentists. This may be a more affordable option if you don’t need extensive dental care.
Why Dental Coverage Matters in Retirement
Ignoring dental care can lead to serious health issues, especially in older adults. Gum disease, tooth loss, and infections can impact nutrition, overall health, and even lead to other chronic conditions. Having dental coverage in place helps you stay ahead of these problems and maintain a better quality of life as you age.
Need Help Finding a Plan with Dental Coverage?
At Texas medicare solutions, we help you compare Medicare Advantage plans that include dental benefits. We also walk you through standalone dental insurance options and help you find the best fit for your needs and budget.
Reach out today to review plans in your area and protect your health from head to toe.
