Explore the top Medicare dental coverage plans available for seniors through private insurers. These options include popular plans from Aetna, Delta Dental, Humana, and UnitedHealthcare, offering affordable and comprehensive dental benefits as part of Medicare Advantage. Understanding your choices can help seniors access necessary dental care comfortably and cost-effectively during retirement.

Essential Dental Coverage Options for Senior Medicare Users

Since its launch in 1965, Medicare has provided affordable healthcare solutions for seniors. Funded by the federal government, it helps older adults cover medical expenses during retirement. With the growing number of baby boomers—born between 1946 and 1964—turning 65, nearly 64 million people are projected to enroll in Medicare by 2020, including some under 65 with disabilities. Medicare covers hospital stays, outpatient services, doctor visits, preventive care, and medical supplies through parts A and B. Prescription drug coverage is available via Part D, but dental care isn’t included in these core plans. To obtain dental coverage, seniors should consider Medicare Part C, offered through private insurers as Medicare Advantage plans.

Medicare benefits include hospital and outpatient services, doctor visits, preventive care, and medical supplies, but do not cover dental work within Parts A, B, and D. For affordable dental solutions, enrollees can choose Medicare Part C, known as Medicare Advantage, provided by private insurers approved by Medicare. These plans extend benefits to include dental, vision, and hearing care alongside traditional healthcare coverage. Below are some top-rated private insurers offering comprehensive Medicare dental plans:

Aetna Medicare Dental Coverage

Delta Dental Medicare Advantage

Humana Medicare Dental Program

UnitedHealthcare Medicare Dental Choices

Aetna Medicare Dental Coverage
While Aetna does not provide standalone dental plans, their Medicare Advantage options include coverage for routine dental services such as exams, X-rays, cleanings, and fillings. Specific coverage varies by location and plan.

Delta Dental Medicare Advantage
Offered through Sharp Health Plan, this HMO plan provides extensive dental benefits with low copays and no hidden fees. Dental visits can cost as little as $5, and preventive care around $15. Members can select any dentist within the DeltaCare USA network immediately upon enrollment, without waiting periods.

Humana Medicare Dental Program
Humana’s MyOption Enhanced Dental HMO covers routine procedures like cleanings and exams fully, with partial coverage for major treatments such as extractions, available through participating dentists. There are no deductibles or waiting periods, but coverage only applies to in-network providers.

UnitedHealthcare Dental Plans
UnitedHealthcare offers basic and supplemental dental options as part of their Medicare Advantage plans, covering routine exams, cleanings, fillings, crowns, dentures, and minor periodontal procedures. Out-of-pocket expenses depend on the plan selected, with benefits available immediately.