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Does Medicare Supplement Plan F Cover Dental Implants?

Summary: Medicare Supplement plans generally don’t cover routine dental care. For routine dental care, you might want a Medicare Advantage plan.

Dental care is essential for people of all ages because healthy teeth are closely tied to better health overall. The American Dental Association warns that the aging process can increase your risk for dry mouth, cavities, and gum disease. Despite the dangers, many adults over 65 do not have regular dental care. Dental insurance can be the first step to healthier teeth and a healthier body.

What does Medicare Cover?

Original Medicare, which includes Part A and Part B, provides coverage for both medical and hospital expenses. You are eligible for Original Medicare when you turn 65. If you are disabled before this time, you are eligible for Part A and Part B once you have received social security disability benefits for two full years.

Does Medicare Cover Dental Care?

Original Medicare does not offer coverage for regular dental services like cleanings, extractions, and fillings. Part A may cover some emergency dental services when performed in a hospital. Part A might also cover dental services like an extraction to prepare for radiation treatment. Part A or Part B could also include an oral examination before a heart valve or kidney transplant in some situations.

How to Get Dental Coverage

To ensure routine dental care like cleanings, examinations, extractions, and other services are covered by insurance, you will need to enroll in an additional plan. There are some choices for receiving dental coverage:

Medicare Advantage Plans
Medicare Advantage plans include the same coverage provided by Part A and Part B. Some of these plans cover additional services as well, such as dental care. Private insurance companies offer Medicare Advantage plans, which vary in terms of costs and coverage. It is essential to compare plans carefully to ensure the dental care you need will be covered.

Stand-Alone Dental Plans
You can consider a stand-alone dental plan from a private insurance company as well. Coverage, premiums, and deductibles can vary, based on the plan you choose.

Medicare Supplement Insurance Plans
Medicare Supplement insurance plans, such as Plan F, do not include coverage for routine dental care. They are designed to cover out-of-pocket expenses for Original Medicare. Plan F covers all cost-sharing services for Plan A and Plan B. If you have Plan F, you will need to enroll in separate dental coverage.

What Does Medicare Cover in Dental Services?

If you choose a plan that offers dental services, you will likely want to know what Medicare covers under these plans. Coverage from Medicare Advantage plans may include:

  • Routine cleaning and examination

This list can vary from plan to plan. Check the plan you choose carefully to know whether it includes the services you need now or may need in the future.

Does Medicare Cover Dental Implants?

Dental implants are the most natural way to replace missing teeth today. The implants consist of artificial roots that bond with your natural bone and provide sturdy support for an artificial tooth. Dental implants have been used for more than 30 years, so they have a long record of safety and success.

Despite the popularity and success of dental implants, coverage for these devices varies from plan to plan. If you know implants will be in your future, you will want to find out how much coverage your plan offers.

If you are asking does Medicare cover dental care, you are probably in search of dental insurance. Our online tool can help you compare plans in your area so you can find a plan that is a good fit for you.

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