Does Medicare Cover Dental? What You Need to Know in 2025

When it comes to dental care in retirement, most Americans depend on Medicare for peace of mind. But when it’s time for your regular teeth cleaning or surprise root canal, you may be wondering: Does Medicare pay for dental care in 2024? Dental health is inextricably tied to overall health, so it is important to know precisely what your Medicare coverage includes—and what are your choices for supplemental dental coverage.

## Does Original Medicare Cover Dental Care?

The short answer: Usually, Original Medicare (Parts A and B) DOES NOT cover the majority of dental care. This includes standard dental exams, cleanings, fillings, extractions, crowns, and dentures. The one exception is if dental care is needed as part of a covered medical procedure—such as if you have to have your jaw rebuilt after an accident, or an oral exam prior to a kidney transplant. In such unusual circumstances, Medicare will cover certain dental procedures if they are necessary to address a medical issue.

## What Dental Care Is Not Covered by Medicare?

It’s not uncommon for beneficiaries to be shocked by just how much is not covered. Original Medicare doesn’t pay for:

– Check-ups, cleanings, and x-rays
– Fillings, extractions, or restorative care
– Dentures, implants, or bridges
– Orthodontics or cosmetic dentistry

Without additional dental coverage, you will be responsible for paying 100% of these expenses out-of-pocket.

## Exception: When Medicare Covers Dental Procedures

While an exception, in certain circumstances, Medicare will intervene. When dental care is needed as a result of a medical condition (cancer or injury), Medicare may cover some services:

– Dental evaluations prior to a surgery that is medically necessary
– Tooth removal in advance of radiation treatment
– Hospitalization if you have a serious dental emergency

It’s extremely important to confirm coverage with your Medicare representative prior to going ahead with any procedure you expect to be covered.

## How Do Medicare Advantage (Part C) Plans Address Dental Coverage?

This is where things improve for dental care. Most Medicare Advantage (Part C) plans—administered by private insurance companies—have built-in dental coverage. Plans can cover preventive services (such as cleanings and exams), and even some restorative services or dentures at times. Levels of coverage and annual limits can be quite different, so shop around in your area and examine:

– What dental services are covered (preventive, basic, major)
– Your portion of costs (copays, coinsurance, yearly caps)
– Network limitations and qualified providers

If dental coverage is a priority for you, look into joining a Medicare Advantage plan that has comprehensive dental benefits.

## Do Medicare Supplement (Medigap) Plans Provide Dental Benefits?

Medigap policies assist in covering out-of-pocket expenses not paid by Original Medicare, including deductibles and coinsurance. Traditional Medigap policies, however, do not cover dental care. If you stay on Original Medicare with a Medigap policy, you’ll probably have to purchase a stand-alone dental insurance policy or find dental discount programs.

## What Are Your Options for Dental Coverage with Medicare?

If you’re worried about dental costs in retirement, here are your main options:
– Enroll in a Medicare Advantage plan with dental benefits
– Purchase a standalone dental insurance plan
– Join a dental savings or discount plan
– Pay for care out-of-pocket

Compare the costs and coverage details closely to find the best fit for your needs.

## Conclusion: Take Charge of Your Oral Health in 2024

Original Medicare will not cover most dental necessities, but you don’t have to skip dental treatment altogether. You can safeguard your smile and your wallet by looking into Medicare Advantage plans or standalone dental insurance. Got questions about how to choose the right Medicare plan for you? Chat with a licensed agent or begin your search today to make sure you receive the oral care you deserve in 2024.