Original Medicare doesn't cover routine dental care, so most seniors need a separate plan to keep cleanings, fillings, and dentures affordable.
Why seniors need separate dental coverage
Original Medicare (Parts A and B) does not cover routine dental services — cleanings, exams, fillings, crowns, root canals, or dentures, according to Medicare.gov. With dental costs rising and oral health tied to heart health and diabetes management, going uncovered can be risky and expensive. Seniors have three main options: a standalone dental insurance plan, a Medicare Advantage plan that bundles dental, or a dental discount plan. Each works differently on cost, waiting periods, and networks. A licensed agent at 1-800-MEDIGAP (1-800-633-4427) compares all three for you, free, so you can see what fits your needs.
What senior dental plans typically cover
Most senior dental plans use a 100-80-50 structure: 100% of preventive care (cleanings, exams), 80% of basic services (fillings), and 50% of major work (crowns, dentures) after waiting periods. Preventive care often has no waiting period, while major services may wait 6–12 months. Plans cap annual benefits, commonly between $1,000 and $3,000. Premiums typically range from about $20 to $60 per month depending on coverage and ZIP code. Comparing premiums against annual maximums helps you find real value — and 1-800-MEDIGAP does that comparison at no cost.