Medicare dental insurance

The health of your teeth, gums and mouth is vital to living a healthy life. To make sure your smile is protected, it’s a good idea to know whether your Medicare plan covers dental care. And if dental care isn’t covered, knowing your options can make a big difference.

Original Medicare (Parts A and B) doesn’t cover most dental services. With a private Medicare plan, dental coverage can vary. At HealthPartners, many Medicare plans include built-in dental allowances or coverage:

• All of our Minnesota Medicare Advantage plans have built-in benefits
• All of our Wisconsin Medicare Advantage plans have built-in benefits
• Most of our North Dakota Medicare Cost plans have built-in benefits
• Most of our South Dakota Medicare Cost plans have built-in benefits

If the HealthPartners plan you’re interested in doesn’t have built-in dental benefits, or if you want more benefits, you have options. Adding supplemental comprehensive dental coverage to your Medicare plan can bring you more peace of mind when visiting your dentist.

When you add supplemental dental coverage to your eligible HealthPartners Medicare plan:

• You’ll get 100% coverage for most in-network preventive and diagnostic care.
• After a $50 deductible, you’ll get 50% coverage (up to an annual maximum) for other in-network dental care, including sealants, fillings, periodontics, oral surgery, dentures and more.
• All your Medicare dental coverage will be in one plan, making things easier to keep track of.
• There aren’t any waiting periods after enrollment – your dental benefits start at the same time as all your other benefits.

You’ll have the option to add supplemental dental coverage for an additional monthly premium when you enroll in an eligible HealthPartners Medicare plan. Eligible plans include:

• Most of our Minnesota Medicare Advantage plans
• Most of our Wisconsin Medicare Cost plans

If the HealthPartners Medicare plan you’re interested in isn’t eligible for supplemental dental coverage, don’t worry – we also offer separate HealthPartners senior dental insurance options in Minnesota and Wisconsin.

Supplemental dental coverage is a Medicare plan add-on. That means you can only sign up for it during a Medicare enrollment period.

First, you’ll need to sign up for one of our Medicare plans that offers supplemental dental coverage (alongside, of course, the medical perks and benefits you’re looking for). Then, you can add optional dental coverage during the enrollment process. 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

If you signed up for one of our Medicare Advantage plans that offers supplemental dental coverage but didn’t add it when you first enrolled, you can still add it during AEP or the Medicare Advantage Open Enrollment Period (January 1 through March 31).