No, Original Medicare (Parts A and B) does not cover dentures or routine dental care, except when part of an emergency inpatient procedure. This means that you are responsible for 100 percent of the cost of dentures if you have Original Medicare.
Many Medicare Advantage (Medicare Part C) plans, however, may cover dentures and other routine dental procedures.
Some Medicare Advantage plans may cover dentures and routine dental procedures such as dentist office visits and teeth cleanings.
Original Medicare will not cover dentures or routine dental care, and neither will Medicare Supplement (Medigap) plans, typically.
Medicare Advantage insurance plans are sold by private insurance companies and combine the benefits of Medicare Part A and Part B (Original Medicare) into one single plan.
A Medicare Advantage plan that offers dental benefits may cover some dental services such as:
The dental benefits offered by Medicare Advantage plans may vary, so you should check with your insurance provider to learn more about your coverage.
Medicare Part B does not provide coverage for dentures.
Part B also does not cover routine dental services.
Medicare Part A will not cover the cost of dentures.
Part A may cover certain dental services that are received in a hospital, such as emergency care following an injury or dental work that may be needed in preparation for a surgery.
Dentures can cost anywhere from a few hundred to a few thousand dollars, depending on the type of dentures you get.1
The amount that you pay for dentures may depend on the level of coverage provided by your Medicare Advantage plan.
First, you may have a monthly premium in order to belong to the plan. In 2018, the average Medicare Advantage premium was around $35 per month (roughly $420 per year).2 In fact, $0 premium Medicare Advantage plans may be available where you live.
Your Medicare Advantage plan may also have a deductible, which is the amount of money you must pay for covered services and items before your benefits kick in.
Lastly, you may have some coinsurance or copayment amount for your dentures, which is your portion of the cost-sharing after you meet your deductible.
When you consider potential cost of dentures, you may find that enrolling in a Medicare Advantage plan that includes dental benefits could help you save you money in the long run.
Not all Medicare Advantage plans offer dental benefits. If your plan offers coverage for dental services, you can check directly with your plan to see how it might cover your dentures.
There are two primary types of dentures:3
Your dentist can help you decide which type of dentures you need based on your bone loss and other specific needs.
How much you pay out of pocket for your dentures depends on the Medicare Advantage plan you enroll in, as coverage and pricing varies widely from plan to plan.
If you are interested in learning more about Medicare Advantage plans, you can consider speaking with a licensed insurance agent who can help you compare plans that may be available in your area.
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Or call 1-800-557-6059 (TTY: 711) 24/7 to speak with a licensed insurance agent.
1 Lee, Dave. (Feb. 17, 2017). How much do dentures cost? Bankrate. Retrieved from https://www.bankrate.com/finance/smart-spending/how-much-do-dentures-cost.aspx.
2 MedicareAdvantage.com's internal analysis of CMS Medicare Advantage landscape source files, May 2018. Data retrieved from https://www.cms.gov/Medicare/Prescription-Drug-Coverage/PrescriptionDrugCovGenIn.
3 American Dental Association. (Aug. 30, 2016). Oral Health Topics. Retrieved from https://www.ada.org/en/member-center/oral-health-topics/dentures.