For seniors in Philadelphia, Bucks County, and surrounding areas, dental health is a crucial part of overall wellness.
Unfortunately, dentures can be expensive, leaving many to wonder if Medicare Advantage plans cover this vital dental service.
Let’s explore the options available for denture coverage under Medicare Advantage.
Does Original Medicare Cover Dentures?
Original Medicare (Part A and Part B) does not cover dentures or most other routine dental services.
Medicare generally excludes coverage for:
- Dentures (full or partial)
- Dental exams
- Tooth extractions
- Routine cleanings
If dental work is needed as part of a medically necessary procedure, Medicare may cover related hospital costs, but not the dentures themselves.
Does Medicare Advantage Plans Cover Dentures?
Medicare Advantage (Part C) plans are offered by private insurers and often include additional benefits not provided by Original Medicare.
These benefits can include dental coverage, and some plans specifically cover dentures.
However, coverage varies significantly between plans.
What Types of Denture Coverage Are Available?
Depending on the Medicare Advantage plan, denture coverage may include:
- Partial Coverage: Some plans cover a percentage of the cost of dentures (e.g., 50% of the cost), leaving you responsible for the remainder.
- Fixed Dollar Allowance: Other plans may offer an annual dental benefit, such as $1,000, which can be applied to the cost of dentures.
- Additional Benefits: Plans may also cover related services, such as tooth extractions or adjustments for new dentures.
How to Find a Medicare Advantage Plan That Covers Dentures
If you need denture coverage, follow these steps to ensure you’re on the right plan:
- Review Plan Summaries: Look for dental benefits in the Summary of Benefits for each Medicare Advantage plan available in your area.
- Ask Specific Questions: Contact the plan provider to confirm coverage details, including deductibles, copayments, and limits for denture-related care.
- Work with CVIG: Our local Medicare agents can help you compare plans and find one that provides comprehensive dental benefits, including dentures.
How Much Do Dentures Cost Without Insurance?
The cost of dentures can vary widely depending on the type:
- Full Dentures: $1,500–$3,000 per arch (upper or lower)
- Partial Dentures: $700–$2,500 per arch
- Implant-Supported Dentures: $15,000 or more for a full set
This makes finding a plan with denture coverage an important financial consideration for many seniors.
Get Help with Medicare Advantage Plans
Understanding Medicare Advantage plans and their dental benefits can be overwhelming.
At CVIG, we specialize in helping seniors in Philadelphia, Bucks County, and surrounding areas find the best plan for their healthcare needs, including denture coverage.
While Original Medicare doesn’t cover dentures, many Medicare Advantage plans do offer this benefit.
Understanding your options can save you significant costs and ensure you receive the dental care you need.
Contact CVIG today for a free Medicare review and let us help you find the right plan with denture coverage.
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