Dental Insurance for Medicare

Because Original Medicare does not offer dental coverage, we frequently receive calls asking about what options are available for dental insurance. We’ve looked through many, many plans over the years and we’ve given a breakdown of our favorites below.

Our 3 Favorite Dental Plans for Seniors

It’s important to appreciate that in order for dental insurance to be worth your money, it has to offer coverage for “the big stuff”. You don’t get dental insurance for your $100 yearly cleaning…it wouldn’t be worth $30-$60/month. You get dental insurance for your $1,000 root canal bill or your $2,500 crowns.

Based on our experience, the following are our Top 3 dental plans for Seniors.

Manhattan Life - Dental, Vision, Hearing

Manhattan Life’s dental product includes dental, vision, and hearing all into one plan. Our favorite part of this coverage is that it offers up to a $3,000 annual maximum and up to 80% coverage for majors services like root canals and crowns.

Other great features of the Manhattan Dental plan:

No waiting periods for preventive or basics dental services
Affordable pricing, ranging from $30-$55/month
No networks – Use any provider. Use the Careington Network for the lowest prices.

No Networks on Manhattan or Ameritas Dental Plans
You will get cheaper rates by going to Dentist that are within their networks, but you are not required to.

Ameritas PrimeStar Dental

Ameritas offers 3 versions of its PrimeStar dental plans: PrimeStar Value, PrimeStar Access, and PrimeStar Total, each with different pricing and coverage levels. Ameritas also has a Vision rider that you can add to each plan for additional coverage.

Features we like about the Ameritas PrimeStar Total Plan:

Coverage for Major services on Day 1 (20%) and then 50% after day 365.
Low annual deductible of $50 per benefit year
100% coverage for Preventive services and 80-90% coverage for Basic services

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Mutual of Omaha - Dental Preferred

Mutual of Omaha is well known for being one of the largest Medicare Supplement insurance companies. They also offer a competitive dental product as well.

Features we like about the Mutual Dental Preferred plan:

Low deductibles: $0 for preventive and $50 for basic & major services
Long history of good service from Mutual of Omaha
Day 1 Coverage of 100% for Preventive and 80% for Basic services

Medicare Dental Options

Government medicare has No DENTAL.

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Medicare doesn’t cover ANY dental but some Advantage plans do

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Medicare A&B do NOT cover dental- some Medicare Advantage plans do #medicare2022 #medicarebenefits

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Government Medicare covers NO dental but some Medicare Advantage offers dental benefits.

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FAQs

Does Medicare include dental?

No, Medicare does not include coverage for any routine dental services. If you would like this coverage, you must either get a stand-alone plan or get it from a Medicare Advantage plan that offers dental benefits.

What Is The Best Way to Get Dental Coverage?

Most Medicare Advantage plans will include at least some dental coverage. Medicare Supplements do not include ANY dental coverage.

For most, the best way to get dental coverage is with a stand-alone dental plan.

Summary

So there you have it. Our 3 favorite dental plans for seniors as of 2024 are from Manhattan Life, Ameritas, and Mutual of Omaha. Each of these plans is different and the coverages and prices will vary from state to state.

Are you interested in getting prices for dental insurance in your area? Schedule an appointment or give us a call at (800) 970-1964 and we’ll help you pick the right plan for your situation.

Sylvia Gordon, aka Medicare Mama^®, is an expert on all things Medicare and Social Security. She is the 2nd Generation here at The Medicare Family and has served on the advisory boards of major insurance companies like UnitedHealthcare^®, Cigna, and Anthem. In her free time, she can be found taking care of her animals (dogs, goats, peacocks, chickens), and reading a good book. Learn More.

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