Best Medicare Dental Insurance for Seniors of 2022

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Society Plans (#) Coverage limit Number of states available Network providers
United health

Best overall
3 $ 1,000 to $ 3,000 34 1,300,000
Permanent kaiser

Best customer service
1 $ 1,250 8 300,000
Humana

Best online tools
15 $ 1,000 49 270,000
Etna

Better national coverage
4 $ 1,000 to $ 3,000 50 700,000
WellCare

Ideal for potential new offers
8 $ 750 + 27 Not indicated
Cigna

Ideal for special needs
3 $ 1,000 23 89,000


Guide to getting dental insurance with Medicare

Signing up for Medicare can be a complicated process, so we’ve outlined the basic steps below. Here are some tips to help you get the best dental plan for you from the Medicare Advantage plan options.

Find health insurance dental plans near you

To find a dental plan near you, you should visit the websites of companies offering Medicare Advantage plans to view details for each plan. Many business websites also let you see if your dentist accepts the plan. If you’re not sure where to start, consider speaking with a broker or consultant. Good resources include State health insurance assistance programs at 877-839-2675 or call Medicare at 800-MEDICARE (800-633-4227) for answers to questions that you did not answer in your research.

Compare Medicare Advantage dental plans

Using Medicare Find a health insurance plan tool, you can log in without an account, choose a Medicare Advantage plan, enter your zip code, and follow the simple instructions for a list of available plans. The “Plan details” button allows you to find out more about the coverages offered, such as preventive dental care (examination, cleaning, x-rays) or complete dental care (extractions, periodontics, restorative services).

Medicare Advantage enrollment

If you are wondering how to join the Medicare Advantage program, Medicare has some great online resources, including details on registration periods for Medicare Advantage plans. The period of Medicare Advantage enrollment depends on your age as well as any qualifying life changes, such as moves or changes in income. You can subscribe to a Medicare Advantage plan under the following circumstances:

  • When you become eligible for Medicare: If you turn 65 or have an eligible disability, you can enroll in a Medicare Advantage plan.
  • During the annual registration periods: From October 15 to December 7, you can switch from Medicare Original to Medicare Advantage or switch from one Medicare Advantage plan to another.
  • After the qualifying life events: If you experience a life event such as a move or loss of income, you may be eligible for a special registration period.


Packages and prices

Signing up for Medicare can be a complicated process, so we’ve outlined the basic steps below. Here are some tips to help you get the best dental plan for you from the Medicare Advantage plan options.

Step 1: Find a list of Medicare Advantage plans available in your area.

Using Medicare Find a health insurance plan tool, you can log in without an account, choose a Medicare Advantage plan, enter your zip code, and follow the simple instructions for a list of available plans.

2nd step: Review the plans available in your area.

Under “Plan Benefits”, a green check mark next to “Dental” indicates plans that include dental coverage.

In addition to the benefits, you’ll see other useful information, such as monthly premiums, the annual maximum you pay for health care costs, and the type of plan, such as:

HMO (health maintenance organism)

HMO-POS (health maintenance organization – point of service)

PPO (preferred supplier organization)

PFFS (paid private service)

SNP (special needs plans)

Step 3: Find plans with features that match your needs.

The “Plan details” button allows you to find out more about the coverages offered, such as preventive dental care (examination, cleaning, x-rays) or complete dental care (extractions, periodontics, restorative services).

Step 4: Visit the websites of the companies offering the plans.

You can view the details of each plan, and there are many business websites that let you see if your dentist accepts the plan.

Step 5: Consider speaking to a broker or consultant.

Good resources include State health insurance assistance programs at 877-839-2675 or call Medicare at 800-MEDICARE (800-633-4227) for answers to questions that you did not answer in your research.

Step 6: Register.

Medicare provides great online resources, including details on registration periods for Medicare Advantage plans.


Frequently Asked Questions

How much does a Medicare Advantage plan with dental coverage cost compared to the monthly premium?

Typically, co-pay or coinsurance for most Medicare Advantage Plan dental coverage, such as 50% coinsurance or $ 50 co-pay. In addition, many plans cap the amount of annual coverage. That being said, the plans are different between providers and even between the plans offered by the same provider. You should check the costs associated with your dental coverage before committing to a plan.

Is a Medicare Advantage plan the only way to get dental coverage with Medicare?

No, regardless of the type of Medicare coverage you have, you can purchase dental insurance only. There are a variety of plans available with different levels of coverage, premiums, co-payments, and spending limits. Examples include Delta Dental, Humana, and others.

What Are the Benefits of Buying a Medicare Advantage Plan?

Some people prefer a Medicare Advantage plan because it consolidates all coverage under one plan which often includes a prescription drug program and additional benefits such as dental, vision, and hearing care. Additionally, many prefer a lower monthly premium (sometimes $ 0) depending on how they think about accessing coverage.

How much does a Medicare Advantage plan typically cost?

According to the Centers for Medicare & Medicaid Services, the average monthly Medicare Advantage premium will be lower in 2022 at $ 19 per month (compared to $ 21.22 on average in 2021), although monthly premiums for a Medicare Advantage plan can range from $ 0 to over $ 100. . There are also reimbursable costs such as co-payments and coinsurance. For some plans, reimbursable expenses may also be affected by the use of physicians outside the network.

Some plans have an annual limit on your out-of-pocket expenses for all medical services. For example, if you live in Dallas, Texas:

  • The United Healthcare AARP Medicare Advantage (HMO-POS) has a monthly premium of $ 0 and a maximum of $ 3,900
  • The HumanaChoice PPO has a monthly premium of $ 10 and a maximum of $ 6,700 ($ 10,000 combined on-grid and off-grid)
  • The Cigna-HealthSpring (HMO) Preferred has a monthly premium of $ 0 and a maximum of $ 5,500 (applies to Medicare networked benefits)

While you may be drawn to the perceived lower price, be sure to check coverage to make sure you’re getting the care you want and need, without incurring additional costs that could outweigh the upfront savings.

Can my coverage change?

Each January, Medicare Advantage plans can change their costs and coverage for the new calendar year. You should review your coverage and compare your plan with other available plans to make sure you have the coverage you need at the best possible price.


Methodology

For this ranking, we looked at over two dozen Medicare Advantage plan providers and almost 100 individual plans. Key considerations included Medicare’s CMS Star rating, JD Power’s customer service ratings for Medicare Advantage plan providers and geographic availability (number of plan states are available), as well as the website interface. , navigation and usability. We’ve also factored in any additional benefits offered by providers upon enrollment, such as health and wellness plans or door-to-door delivery for prescriptions.

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