Does Medicare Cover Dental Care?
Original Medicare generally doesn't cover routine dental care like cleanings, fillings, or dentures. Some dental services tied to certain medical treatment may be covered. Many Medicare Advantage plans include limited dental benefits.
Quick answer
Original Medicare generally doesn't cover routine dental care, including cleanings, fillings, extractions, and dentures. It may cover certain dental services that are integral to covered medical treatment, in limited circumstances. Many Medicare Advantage plans include some dental benefits, usually with annual limits.
Options for dental coverage with Medicare
| Option | What to know |
|---|---|
| Medicare Advantage with dental | Benefits vary; check annual maximums, networks, and what's covered |
| Standalone dental insurance | Premiums, waiting periods, and annual maximums apply |
| Dental discount plans | Not insurance; discounts at participating dentists |
| Paying directly or with savings | HSA money saved before Medicare can pay for dental; see HSA for dental and vision |
| Community and school clinics | Reduced-cost care in some areas |
Compare carefully
Dental benefits in Medicare Advantage plans can range from preventive-only to more comprehensive, often with annual dollar limits. See Medigap vs. Medicare Advantage and Medicare basics.
The takeaway
Plan for routine dental care outside Original Medicare. If dental matters to you, compare Medicare Advantage dental benefits or a standalone dental plan, including their annual maximums.
Sources
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