2026 Medicare dental insurance

It’s important to understand the differences between preventive and comprehensive coverage so you’ll have the benefits you need, when you need them:

• Preventive dental coverage usually includes oral exams, regular teeth cleaning and routine X-rays, but it doesn’t typically include care for dentures, crowns or fillings. This type of coverage may be a good fit for you if you have healthy teeth and don’t anticipate needing a lot of dental work.
• Comprehensive dental coverage may include everything that comes with preventive care plus extra services for dentures, crowns, fillings and more. This type of coverage may be right for you if you think you’ll need more than basic care or if you’ve had previous dental work that may need ongoing care.

At HealthPartners, many of our Medicare plans already include some dental coverage built in, so you don’t have to do anything extra during the enrollment process.

With some of our Medicare plans, you have the option to add on supplemental dental coverage if you need more benefits than what are already included. During the enrollment process, you can add this optional dental coverage for an additional monthly premium.

Medicare enrollment periods include:

• Your Initial Enrollment Period (IEP) when you turn 65
• The Annual Enrollment Period (AEP) every year from October 15 through December 7, when you can switch Medicare plans
• Certain other enrollment periods if you sign up for Medicare after you turn 65, have a Medicare Advantage plan or have a special circumstance

In addition, if you signed up for one of our Minnesota Medicare Advantage plans but didn’t add supplemental dental coverage when you first enrolled, you can still add it during AEP or during our enrollment period for optional supplemental benefits. This period runs from October 15 through March 31. For assistance, contact our sales team.

If the HealthPartners Medicare plan you’re interested in doesn’t offer the dental benefits you need, we also offer HealthPartners senior dental insurance options. These plans are separate from our Medicare plans.