The Best Dental Insurance for Seniors on Medicare in 2023 (2023)

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Searching for the best dental insurance for seniors on Medicare is no easy task. Seniors are the most frequent visitors to the dental office due to their age and its impact on oral health. In 2016, 65% of people enrolled in Medicare did not have dental care coverage, and 19% of those who used dental services paid over $1,000 out of pocket. Original Medicare doesn’t cover dental care, which leaves many people unprotected. However, you can still get dental coverage with certain Medicare Advantage plans. We reviewed the best options to make sure you can find a plan that keeps you smiling.

We researched and reviewed the best dental coverage for seniors on Medicare based on their Medicare star rating, price, web usability, educational content, opportunity to compare plans, the availability of in-person agents, and more. All of the plans but one reviewed here cover at least 40 states.

The Best Dental Insurance for Seniors on Medicare in 2023

Best Dental Insurance for Seniors on Medicare

Best Dental Insurance for Seniors on Medicare

  • Our Top Picks
  • Humana
  • Aetna
  • Cigna
  • AARP
  • Blue Cross Blue Shield
  • Mutual of Omaha
  • See More (3)
  • FAQs

  • Methodology

Best Overall : Humana

Humana boasts very low premiums. Most of its Medicare Advantage plans do cover dental insurance and give multiple benefits, which are broken down very clearly.

Pros

  • Easy to compare prices

  • Easily understandable plan breakdown with plenty of information available

Cons

  • Different plans have different maximum benefit coverage amounts, which can be low (especially for dental work)

  • Some plans have limits on how many times a year you can receive certain care

  • Some plans have higher monthly premiums, which can add up (especially in addition to Part B premiums)

Humana has several options where premiums are $0—one that includes dental. The Preventive Value PPO is a low cost dental plan and has no waiting period.It does fully cover cleanings and exams and offers a 50% discount on fillings and simple extractions (after reaching the $50 individual lifetime deductible). The Bright Plus PPO plan has a three-month waiting period.It fully covers exams and X-rays and offers a 40% discount on fillings and simple extractions.Procedures that are not covered by either plan include oral surgery, root canals, dentures, and orthodontics. Be sure to check the “Plan Details” closely, because even if dental coverage is listed on the comparison page, not all dental coverage is created equal.

Humana has more detailed coverage without being overpriced.

Best for ‘Just In Case’ Coverage : Aetna

If you’re looking into bundling even further with your Medicare Advantage plan to cover your dental (or dental and vision) bases, Aetna may be right for you. Bundling allows you to make one payment to cover all of your supplemental needs, instead of making payments to each provider separately. These bundles consist of riders, which give you additional coverage for certain healthcare costs not covered by Medicare alone. In this case, both riders come with an extra premium, but they do provide backup coverage to cover the gaps in your regular Medicare Advantage plan.

Pros

  • Majority of Medicare Advantage plans include dental coverage

  • Star ratings listed on plan comparison page (including some with a 4.5 rating)

  • Affordable Supplemental (rider) dental coverage offered.

Cons

  • Maximum yearly coverage amount ($1,000-3000)

  • Limits on comprehensive coverage which vary by plan

Aetna is good for you if you don’t see yourself needing intensive care for either oral or vision coverage. If you want the security of knowing you have the basics covered, like routine cleanings and X-rays, but don’t think you’ll need a lot of bells and whistles, like coverage for crowns, extractions, or fillings,Aetna is the perfect option. Both the dental plan and the combined dental/vision plan are around $30/month, so they are fairly affordable, especially since the plan it comes with has a $0 deductible. While the options for dental with Aetna are limited, the Aetna Medicare Advantage Dental Rider PPO covers all in-network procedures that are listed here.

Best for Preventative Care : Cigna

Some of Cigna’s Medicare Advantage plans cover preventative dental care like cleanings and routine exams, and some cover comprehensive care as well, such as crowns and extractions. With most plans, preventive care has an $0 copay. Cigna’s Medicare Advantage plan has built-in dental coverage through Part C coverage.

Pros

  • Variety of plans to choose from that include dental

  • Comprehensive dental care maximums range from $1,000 to $2,000 yearly

  • Plans also include vision coverage for exams, eyewear or contact lenses, and more

  • Some monthly premium are $0 (most plans includes medical, vision, and dental coverage)

Cons

  • May not offer Medicare coverage in your state, but offers separate dental plans in all 50 states

  • Plans vary in other coverage, so be sure to compare medical, dental, and vision plans

Cigna understands that preventative dental care plays a huge part in your overall health. With some plans, you’ll find preventative dental care covered, and on some of those plans, you’ll also find comprehensive care coverage because preventive measures don’t always do the trick. However, the Medicare Advantage plans that this dental care comes with can vary wildly, not only in coverage but in monthly premiums, so make sure to review the “Plan Details” page carefully. Because the plans are combined with other riders for full coverage, the details of each plan will vary.Cigna Medicare Advantage HMO plans offer coverage within a set network of providers. Cigna Medicare Advantage PPO plans have a set network as well, but they also allow you to visit providers outside of your network for an additional charge or limited coverage. Cigna Medicare Advantage PFFS plans are flexible in the choice of providers, but as claims are determined on a case-by-case basis, you run the risk of being denied treatment by providers. Carefully weigh the benefits of each plan, in addition to the dental coverage, to make sure you’re picking the best, most comprehensive plan for you.

When choosing a Cigna Medicare Advantage plan, weigh the dental care, medical coverage, and prescription drug coverage separately, and then decide which aspect of the Medicare Advantage plan is most important to you. Don’t get caught without coverage in an area you may need.

Most Comprehensive Coverage : AARP

AARP’s Medicare Advantage plans, for the most part, all come with preventative dental coverage, and many of those plans also come with comprehensive dental care coverage as well.

Pros

  • Preventative dental care comes with most plans, to cover cleanings, x-rays, etc.

  • Many plans also come with comprehensive dental care

  • Generally low premiums

Cons

  • Some plans have a $500 maximum yearly limit for comprehensive dental care

  • Some plans give yearly maximum coverage amount for preventative and comprehensive dental combined

It’s nice to feel secure with your insurance. That’s what AARP provides—no matter what plan you choose, your pearly whites are covered. Most plans come with at least preventative dental care covered, and most also include comprehensive care covered, though at a yearly maximum cap.(This is sometimes a combined total for both preventive and comprehensive.) That means you may not need to pay anything at the dentist, depending on the procedure you’re having done. However, if you think you’ll be having more intensive work done that would exceed the annual maximum, it may be best to look into plans that have more detailed, broader coverage options available. The PPO Plan A offers the most comprehensive coverage with a $40 deductible and $1,500 in annual coverage. The PPO Plan B offers a lower monthly premium but a $90 deductible and $1,000 in annual coverage.

Best in Options : Blue Cross Blue Shield

Talk about options—in addition to offering dental coverage with some of its Medicare Advantage plans, Blue Cross Blue Shield also gives you the choice of how much dental coverage you may want to apply for with a given plan. You can choose from the regular coverage, the bundled coverage, or the "enhanced" bundle, which provides greatercoverage for more comprehensive and preventative care. A few of our favorites include the premier package, which covers major services like dentures, bridges, and crowns, after 12 months of coverage. These services are often excluded from many of the dental plans for seniors on Medicare from various providers.

Pros

  • More choice and opportunity for customization of care

  • Most affordable premium still offers 50% comprehensive care covered (e.g. root canal, crowns, etc)

  • $0 copay for up to two oral exams per year

Cons

  • Limits on comprehensive care (eg: root canals are limited to one per tooth per lifetime)

  • Medicare Advantage plans don't provide comprehensive dental coverage.

While extra effort may be needed to find your specific state’s website for Blue Cross Blue Shield Medicare Advantage plans (rather than going through the main BCBS website), it’s worth it for the coverage and comparisons it offers. Dental Blue 65 Preventive is the lowest priced plan of BCBS, at under $24 per month, but only covers diagnostic and preventative services like cleanings and X-rays. The Dental Blue 65 Basic plan costs under $38 per month but includes basic services like fillings and extractions. The Dental Blue 65 Premier is the most comprehensive and expensive plan offered, costing just under $69 per month.But it includes all services including dental implants, crowns, bridges and dentures. According to the BCBS website, its plans offer you coverage with over 90% of doctors and specialists and 342,000 provider locations nationwide.

Best for Low Costs : Mutual of Omaha

While Medicare Advantage plans from Mutual of Omaha aren’t available in every location, the prices and coverage are good. There is a $0 monthly premium option that covers all preventive dental care, with just a $25 copay, and a $28 monthly premium plan called CareAdvantage Plus, which covers comprehensive care at a $0 copay, up to $1,000 per year.

Pros

  • CareAdvantage plans offer lower or $0 copays on other products as well

  • Easy to compare CareAdvantage plans, with the differences clearly highlighted

  • Overall low cost for a decent amount of coverage

  • Care Advantage Plus covers hearing aids up to $750

Cons

  • Limited plan options overall

  • Plans not available in all states

  • Higher out-of-pocket maximums with both plan options ($4,700 for CareAdvantage Complete and $4,250 for CareAdvantage Plus)

Mutual of Omaha keeps it simple, without crowding too many plans with too many choices into your options. Both plans offer some kind of dental care, butit depends on your situation and how much care you may need, to determine which plan may be better for you. It’s wise to consider all the differences in coverage, but especially in dental, since the CareAdvantage Complete only covers preventative dental care (such as cleaning, X-rays, etc) and has a $25 copay. The CareAdvantage Plus has a $28 premium compared to Complete's $0, but it includes lower copays and full coverage for preventative dental treatment. The CareAdvantage Plus plan offers a $100 deductible on comprehensive services, though it does have a $1,000 maximum per year. Mutual of Omaha’s offerings are simple but basic;if you’re looking for many different care options for medical coverage, it may be better to look elsewhere.

FAQs

How to Shop and Compare the Best Dental Plans on Medicare

Follow some key steps to find the best plan.

  1. When you sign up for Medicare, decide if You want to purchase a Medicare Advantage Plan with dental coverage. Not all Medicare Advantage plans come with dental coverage, and because Original Medicare doesn’t cover oral health, you’ll want to double-check if your plan explicitly lists dental coverage—and what coverage it provides.
  2. Find the Medicare Advantage Plans in your service area. Using either the plan finder on the Medicare website or your provider’s plan comparison, you’ll need to enter your ZIP code and possibly other personal information (such as date of birth) to see what plans may be available to you.
  3. Decide which dental services you think you will need.Dentures? Tooth extraction? Regular cleanings? Not all dental care is created equal. If regular cleanings are all you think you’ll need, you may not require more intensive coverage, like that which covers dentures. It’s worth it to thoroughly investigate which plans cover what services.
  4. Compare the difference in cost among plans. Cost is always a determining factor, especially for insurance. When it comes to dental insurance, oral care can quickly get very expensive. Because different plans will offer coverage for variousservices, choose carefully—you don’t want to pay for care you won’t need. Consider the prices of different providers and different coverage levels, and consider your current level of oral health care when determining what you may need in the future.
  5. Get a second opinion from a knowledgeable resource. An insurance broker or agent can be a valuable asset during your decision-making process. Not only do brokers have a wealth of knowledge and experience, but they sometimes have better access to more plan options or cheaper costs than you’d find elsewhere. The best part? Brokers are entirely free for consumers to use and are required to follow strict regulations, so they can’t provide you with more information than what you specifically inquire about.
  6. Enroll. You can enroll in a Medicare Advantage plan when you become eligible based on age or disability, or during the Open Enrollment period.

A broker can help you break down the costs of different plans and different coverage levels, which can be overwhelming. They can also provide more personalized price comparisons between different providers.

What Dental Benefits Are Covered by Medicare?

Neither Original Medicare nor Medicare Advantage is required to cover dental care, but many providers will include dental and vision care in their Medicare Advantage plans.

Is It Less Expensive to Buy Dental Insurance Outside of Medicare?

It depends on what dental coverage you need. In addition to the various price points offered by these plans, if you purchase through Medicare, you can take advantage of bundles that lower the price point and give you the ease of paying just one provider. If you don’t need or want to get your dental coverage through your Medicare provider, it may be worth looking into separate dental coverage, especially if you have more specific needs than what Medicare Advantage plans can offer.

How Much Should I Expect to Pay for Dental Insurance on Medicare?

It varies based on coverage level, for both the medical aspect and the dental side. Medicare Advantage plans can be as low as $0 or over $100 per month, and some providers only offer dental at an added cost (anywhere from $14 to almost $100). These prices can also vary greatly depending on what prescription drug coverage you enroll in and what medications you’re prescribed because some plans add a premium for Part D prescription drug coverage. Many factors go into the overall cost of Medicare Advantage plans, but on the whole, total costs can be anywhere from under $100 per month to over $300 or more, depending on what level of care and coverage you select for each different aspect of your plan.

Is Dental Insurance via Medicare Advantage Worth the Money?

Depending on the plan, yes. If you don’t foresee yourself needing much in the way of dental care except maybe the occasional cleaning or X-ray, then a simple plan that covers preventative dental care may be right for you. If you know you’ll have certain dental needs (e.g., dentures), it’s worth shopping for different Medicare Advantage plans and exploringexactly what each plan covers because all Medicare Advantage plans that offer comprehensive dental care do not cover every single aspect of dental care. Some plans do, though, and it’s worth looking into the comparative costs of these plans, especially in the case of surgery and similar big-ticket expenses. However, most of these plans have a yearly maximum coverage amount, so if you know you have some big dental bills ahead of you, it might be worth it to look for a plan that’s built specifically for dental care. Prices may be more affordable for more detailed care.

How We Chose the Best Dental Insurance for Seniors on Medicare

When we reviewed the best Medicare Advantage Plans for dental coverage, we first considered the geographic service range. We looked at plans that serve at least 40 states or offered dental coverage in as many states as it offered medical coverage. Next, we compared premiums and copays, ease of website usability, coverage and care details, and more, all to provide the most people possible with the best dental providers for seniors on Medicare. We favored companies that included comprehensive dental and preventive care, as well as things like major services including implants and bridges.Our attention to cost detail allowed us to compare on both a monthly premium level and an overall cost based on deductibles to help you make the best choice for your budget.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.

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The Best Dental Insurance for Seniors on Medicare in 2023 (13)

Article Sources

Verywell Health uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.

  1. KKF.org. Drilling down on dental coverage and costs for Medicare beneficiaries.

  2. Hung M, Lipsky MS, Moffat R, et al. Health and dental care expenditures in the United States from 1996 to 2016.PLoS One. 2020;15(6). doi:10.1371/journal.pone.0234459.r001

FAQs

The Best Dental Insurance for Seniors on Medicare in 2023? ›

What are the changes to Medicare benefits for 2023? Changes to 2023 Medicare coverage include a decrease in the standard Part B premium to $164.90 and a decrease in the Part B deductible to $226. Part A premiums, deductible and coinsurance are all increasing for 2023.

What changes are coming to Medicare in 2023? ›

What are the changes to Medicare benefits for 2023? Changes to 2023 Medicare coverage include a decrease in the standard Part B premium to $164.90 and a decrease in the Part B deductible to $226. Part A premiums, deductible and coinsurance are all increasing for 2023.

Which dental insurance has the best coverage? ›

Compare the Best Dental Insurance Companies
CompanyCoverage LimitStates Available
Cigna Best OverallUp to $1,50050
Renaissance Dental Runner Up, Best Overall$1,000 to $1,60050
Spirit Dental Best for No Waiting Periods$750 to $5,000 after 3 years50
Humana Dental Insurance Best Value$1,000 to unlimited49
3 more rows

What is the out of pocket maximum for Medicare in 2023? ›

Medicare Advantage (Part C): In 2023, the out-of-pocket maximum for Part C plans is $8,300 for approved services, but individual plans can set lower limits if they wish. Part D cost sharing does not apply towards your Medicare Advantage plan's MOOP.

What is the final rule for Medicare 2023? ›

FY 2023 Final Rule

This final rule with comment period includes payment adjustments to hospitals under the IPPS and OPPS for the additional resource costs they incur to acquire domestic NIOSH-approved surgical N95 respirators.

What will the Medicare Part B deductible be in 2023? ›

In 2023, the Medicare Part A deductible is $1,600 per benefit period and the Part B annual deductible is $226. The Centers for Medicare & Medicaid Services (CMS) releases new premiums, deductibles and coinsurance amounts for Part A, Part B and the Medicare Part D income-related monthly adjustment amounts every fall.

Will Medicare Part B premiums increase in 2023? ›

The Part B basic premium in calendar year 2023 is scheduled to be $164.90 per month, or about 25 percent of expected Part B costs per enrollee age 65 or older. Premiums can be higher or lower than the basic premium for enrollees who receive Part B benefits through the Medicare Advantage program.

How much will Medicare checks increase in 2023? ›

Part A costs increasing

For 2023, the Part A deductible will be $1,600 per stay, an increase of $44 from 2022. For those people who have not worked long enough to qualify for premium-free Part A, the monthly premium will also rise. The full Part A premium will be $506 a month in 2023, a $7 increase.

What is the payment rate for Medicare in 2023? ›

When Congress passed its year-end omnibus legislation in the final days of 2022, it included a 2% Medicare physician payment cut for 2023. As a result, the Centers for Medicare and Medicare Services (CMS) updated the 2023 conversion factor to $33.8872 for 2023.

Is Medicare being cut in 2023? ›

Physicians are facing a 2% cut in Medicare payment in 2023, and 2024 will bring at least a 1.25% cut.

What is the Part D premium for 2023? ›

Part D Premiums

The estimated national average monthly PDP premium for 2023 is projected to be $43, a 10% increase from $39 in 2022, weighted by June 2022 enrollment (Table 2) – a rate of increase that outpaces both the current annual inflation rate and the Social Security cost-of-living adjustment for 2023.

How do I get my $800 back from Medicare? ›

All you have to do is provide proof that you pay Medicare Part B premiums. Each eligible active or retired member on a contract with Medicare Part A and Part B, including covered spouses, can get their own $800 reimbursement. Download our Medicare Reimbursement Account QuickStart Guide to learn more.

How do I get my $144 back from Medicare? ›

To qualify for the giveback, you must:
  1. Be enrolled in Medicare Parts A and B.
  2. Pay your own premiums (if a state or local program is covering your premiums, you're not eligible).
  3. Live in a service area of a plan that offers a Part B giveback.

What is the high deductible for 2023? ›

For 2023, an HDHP is any plan with a deductible of at least $1,500 for an individual or $3,000 for a family. The maximum out-of-pocket expenses are $7,500 for an individual and $15,000 for a family.

How do I get the $16728 Social Security bonus? ›

To acquire the full amount, you need to maximize your working life and begin collecting your check until age 70. Another way to maximize your check is by asking for a raise every two or three years. Moving companies throughout your career is another way to prove your worth, and generate more money.

What month will Social Security increase in 2023? ›

Social Security benefits and Supplemental Security Income (SSI) payments will increase by 8.7% in 2023. This is the annual cost-of-living adjustment (COLA) required by law. The increase will begin with benefits that Social Security beneficiaries receive in January 2023.

Will the cost of Medicare change in 2023? ›

For 2023, the Part A deductible will be $1,600 per stay, an increase of $44 from 2022. For those people who have not worked long enough to qualify for premium-free Part A, the monthly premium will also rise. The full Part A premium will be $506 a month in 2023, a $7 increase.

What is the Medicare Social Security increase for 2023? ›

Social Security benefits and Supplemental Security Income (SSI) payments will increase by 8.7% in 2023. This is the annual cost-of-living adjustment (COLA) required by law. The increase will begin with benefits that Social Security beneficiaries receive in January 2023.

Is Medicare age changing to 67? ›

But over the last couple of years, the Social Security Administration (SSA) changed the full retirement age twice – first to age 66 for people born from 1948 to 1954, then again to age 67 for people born in 1955 or later.

How do you qualify to get $144 back from Medicare? ›

To qualify for the giveback, you must:
  1. Be enrolled in Medicare Parts A and B.
  2. Pay your own premiums (if a state or local program is covering your premiums, you're not eligible).
  3. Live in a service area of a plan that offers a Part B giveback.

What is the 5 year rule for Social Security? ›

You must have worked and paid Social Security taxes in five of the last 10 years. If you also get a pension from a job where you didn't pay Social Security taxes (e.g., a civil service or teacher's pension), your Social Security benefit might be reduced.

What is the average Social Security check at age 66? ›

If you hit full retirement age at 66 then the average monthly check you will receive is $3,627 per month.

What age will Medicare be lowered to? ›

This report examines the cost and coverage effects of lowering the age of Medicare eligibility from 65 to 60.

How much money can you make when you are on Social Security at age 67? ›

Starting with the month you reach full retirement age, there is no limit on how much you can earn and still receive your benefits.

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