Does Medicare Advantage cover dental implants?

Medicare Advantage may cover dental implants depending on the plan you select. Original Medicare doesn't cover any dental services, but Medicare Advantage dental insurance is available. It may be included in your policy, or it may be an add-on that you need to select and have an added cost. If you want Medicare Advantage dental coverage for implants, you may need to change your plan at open enrollment.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 28, 2021

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The Highlights

  • Original Medicare doesn’t cover any dental care, but some Medicare Advantage plans include a dental coverage program
  • Medicare Advantage plans may cover dental implants and the procedure depending on the specifics of the plan
  • There may be an extra cost to add dental coverage to your Medicare Advantage plan

Does Medicare Advantage cover dental implants? Like most health insurance plans dental procedures are not part of Original Medicare, but it can be one of the additional benefits of opting for a Medicare Advantage plan. Some Medicare plans include just routine dental care treatment, including cleanings. Others may have more comprehensive coverage.

If you’re looking for a Medicare Advantage plan that covers dental implants, shop around. Enter your ZIP code now to compare Medicare Advantage quotes that include dental coverage.

Does Medicare Advantage include dental benefits?

Many Medicare Advantage plans include some level of dental benefits. Some plans only offer routine care coverage, which includes things like cleaning, dental exams, and x-rays. Other dental insurance plans may include extended treatment, like fillings, crowns, and even dental implant procedures in some cases.

According to Medicare.gov, there are no coverage options at all with Original Medicare for dental services. That means choosing a Medicare Advantage plan is the only way to get your visit to the dentist covered. Because Medicare Advantage is provided by private insurance companies, they can determine what level of coverage to offer for dental services, or whether to offer it at all.

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How are dental implants covered by Medicare Advantage?

Dental implants are considered major restorative dental work. This means that a plan that only includes routine care won’t cover them. It may take a little digging to find a plan that does include coverage for this type of service. In some cases, the coverage may be offered by a partner company that specializes in dental insurance.

What is the cost of dental implant coverage on Medicare Advantage?

Some plans may offer major dental coverage as an add-on for an additional premium. It may be more difficult to find this level of coverage in a basic $0-premium Medicare Advantage plan, but it’s possible.

Most plans will have some level of coinsurance and possibly also a deductible for major restorative dental work like implants. There will also likely be a yearly cap on what the plan will pay out. You should ask ahead of time what your out-of-pocket expenses are expected to be.

How do I know if my Medicare Advantage plan covers dental implants?

If you currently have Medicare Advantage and aren’t sure what’s covered for dental services, you can log into the company site to check your benefits. You can also call your Medicare Advantage provider to ask whether or not dental implants are covered. Be sure to ask about out-of-pocket costs.

If you don’t have the coverage, you may be able to add it during open enrollment, or you may want to consider switching plans at the same time.

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Does my dentist accept Medicare Advantage dental insurance?

Most plans have a network of care from which you will need to select your dentist in order to use your insurance. Call your dentist to find out if they accept your Medicare insurance, or check with the provider network for the insurance company.

You may have to switch to a new dentist to use your coverage if the current dentist is out of network. This is especially common if you use an HMO (Health Maintenance Organization) for your insurance.

Does Medicare Advantage cover dental implants? The Bottom Line

Whether or not your Medicare Advantage plan covers dental implants depends on the plan you selected. To find out which Medicare Advantage companies offer coverage for dental implants, you will need to take a look at some of the plans available to you and compare them on rates and coverage.

To get started looking for a Medicare Advantage plan that covers dental implants today enter your ZIP code below.

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