Best Dental Insurance for Medicare Seniors of 2022

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Company Plans (#) Cover limit Number of states available Networked Suppliers
United Healthcare

Best overall
3 $1,000 to $3,000 34 1,300,000
Standing Kaiser

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

Best Online Tools
15 $1,000 49 270,000
Etna

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

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

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


Guide to getting dental insurance with Medicare

Enrolling in 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 among the Medicare Advantage plan options.

Find Medicare 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 of each plan. Many company websites also allow you to see if your dentist accepts the plan. If you’re not sure where to start, consider talking 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 unanswered questions in your search.

Compare Medicare Advantage Dental Plans

Using Medicare’s Find a Medicare Plan tool, you can sign in without an account, choose a Medicare Advantage plan, enter your zip code, and follow simple instructions for a list of available plans. The “Plan Details” button helps you find out more about the coverages offered, such as preventive dental care (examination, cleaning, X-rays) or comprehensive dental care (extractions, periodontics, restorative services).

Medicare Advantage Enrollment

If you’re wondering how to join the Medicare Advantage program, Medicare provides excellent online resources, including details about enrollment periods for Medicare Advantage plans. The enrollment period for Medicare Advantage depends on your age as well as any qualifying life changes, such as moving house or income changes. You can enroll in 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 through December 7, you can switch from Medicare Original to Medicare Advantage or switch between Medicare Advantage plans.
  • After qualifying life events: If you are experiencing a life event such as moving house or loss of income, you may be eligible for a special enrollment period.


Packages and prices

Enrolling in 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 among the Medicare Advantage plan options.

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

Using Medicare’s Find a Medicare Plan tool, you can sign in without an account, choose a Medicare Advantage plan, enter your zip code, and follow 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.

Along with benefits, you’ll see other useful information, such as monthly premiums, annual maximum you pay for healthcare costs, and type of plan, such as:

HMO (health maintenance organization)

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

PPO (preferred provider organization)

PFFS (private fee-for-service)

SNP (Special Needs Plans)

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

The “Plan Details” button helps you find out more about the coverages offered, such as preventive dental care (examination, cleaning, x-rays) or comprehensive 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 many company websites allow you to see if your dentist accepts the plan.

Step 5: Consider talking 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 unanswered questions in your search.

Step 6: Register.

Medicare provides excellent online resources, including details on enrollment periods for Medicare Advantage plans.

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

Typically, a copayment or coinsurance for most Medicare Advantage plan dental coverage, such as a 50% coinsurance or a $50 copayment. In addition, many plans cap the amount of annual coverage. That being said, plans are different between providers and even between 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 what type of Medicare coverage you have, you can purchase dental insurance only. There are a variety of plans available offering different levels of coverage, premiums, copayments, 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 bundles all coverage into one plan that 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) based on how they think they will access coverage.

How much does a Medicare Advantage plan typically cost?

According to the Centers for Medicare & Medicaid Services, the average monthly premium for Medicare Advantage will be lower in 2022 at $19 per month (compared to an average of $21.22 in 2021), although monthly premiums for a Medicare Advantage plan could go from $0 to over $100. . There are also out-of-pocket costs such as co-payments and coinsurance. For some plans, reimbursable costs may also be impacted by going to out-of-network doctors.

Some plans have an annual limit on your outgoings 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 payout of $6,700 ($10,000 combined in and out of network)
  • The Cigna-HealthSpring (HMO) Preferred has a monthly premium of $0 and a maximum of $5,500 (applies to Medicare-covered benefits in the network)

Although you may be attracted by the perceived lower price, be sure to check coverage to ensure you’re getting the care you want and need, without incurring additional costs that may offset the initial 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 ensure you have the coverage you need at the best possible price.


Methodology

For this ranking, we looked at more than two dozen Medicare Advantage plan providers and nearly 100 individual plans. Key considerations included Medicare CMS star ratings, JD Power customer service ratings for Medicare Advantage plan providers, and geographic availability (how many plan states are available), as well as interface, navigation and website usability. We’ve also taken into account any additional benefits offered by providers when signing up, such as health and wellness plans or home delivery of prescriptions.

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