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Best For Potential New Offerings: Wellcare

Get to know the Delta Dental PPO and Delta Dental Premier networks


WellCare is our top choice for a newcomer to the field of Medicare Advantage plans. Founded in 1985, it’s an up-and-coming provider.

  • Access to a personal emergency response system

  • Easy to navigate website

  • Only available in 36 states

  • Not as established as some other providers

Founded in 1985, WellCare is a relative newcomer compared to other insurers. We picked them as one to watch for potential new offerings in their Medicare Advantage Plans for two reasons: In 2018, WellCare acquired Aetnas Part D prescription drug plan , and in 2020, they were acquired by Centene, one of the largest providers of Medicaid. This deal-making activity could result in new Medicare Advantage Plan offerings that address specific pricing or feature needs.

Benefits offered with some WellCare Medicare Advantage Plans include over-the-counter coverage and access to a personal emergency response system. The OTC benefit is a fixed dollar amount for non-prescription medications and wellness-oriented items that can be shipped directly to you. The personal emergency response system, for people who live alone or are left alone for long periods, is connected to your phone and allows you to get emergency help with the push of a button.

WellCare has greatly expanded its Medicare Advantage offerings since merging with Centene plans are available in 36 states for 2022. The companies offer a full range of plans .

Medicare Advantage And Dental Coverage

The Medicare Advantage program offers you a way to get your Original Medicare benefits through a private, Medicare-approved insurance company.

Some Medicare Advantage plans cover routine dental services. Medicare Advantage dental coverage is generally the only way to get dental services covered under Medicare.

Delta Dental Virtual Visits

Beginning January 1, 2022.Delta Dental Virtual Visits delivered by provides 24/7 access to a dentist, 365 days a year for Delta Dental of Colorado members. Teledentistry is included in your existing coverage and is considered an oral examination under the plan. Its a safe and effective way to receive care and avoid the emergency room.Click on the button below or call 1-866-302-0332 to start your virtual visit.Patient Direct® members, please go to or call 1-866-891-0556.

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Best Medicare Advantage Dental Plans

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list ofour partnersandhere’s how we make money.

The best Medicare dental plans will depend on your needs. Original Medicare doesnt cover routine dental services, such as cleanings, fillings and extractions. For dental coverage, seniors on Medicare can buy a separate policy or turn to Medicare Advantage plans, most of which offer some form of cost help for dental care.

Medicare Advantage plans are a bundled alternative to Original Medicare, sold by private insurers. They include Medicare Part A and Part B and usually Part D . These plans charge a monthly premium or no premium, and they often include extra benefits such as some coverage for hearing and vision care.

Each plan also gets a star rating from the Centers for Medicare & Medicaid Services, or CMS, on a scale of 1 star to 5 stars based on the quality of care and customer satisfaction.

The vast majority of people enrolled in Medicare Advantage plans have access to dental care, although the type of coverage and limits on cost sharing vary.

How Much Does A Medicare Advantage Plan Typically Cost


According to the Centers for Medicare & Medicaid Services, the average Medicare Advantage monthly premium is lower in 2022 at $19 per month , although the monthly premiums for a Medicare Advantage Plan can range from $0 to over $100. There are also out-of-pocket costs such as copayments and coinsurance. For some plans, out-of-pocket costs can also be impacted by going to doctors who are out of network.

Some plans have a yearly limit on your out-of-pocket costs for all medical services. For example, if you live in Dallas, Texas:

  • The United Healthcare AARP Medicare Advantage has a $0 monthly premium and a $3,900 out-of-pocket maximum
  • The HumanaChoice PPO has a $10 monthly premium and a $6,700 out-of-pocket maximum
  • The Cigna-HealthSpring Preferred has a $0 monthly premium and a $5,500 out-of-pocket maximum

While you might be attracted to the perceived lower price, be sure to check the coverage to make sure that you are getting the care you want and need, without incurring additional costs that may offset the upfront savings.

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Preventive And Diagnostic Services

Kaiser Permanente supplemental Medicare dental coverage can include up to a certain limit in annual benefits for routine exams , bitewing X-rays , full mouth X-rays , cleanings and fluoride treatments .

There is no copayment or coinsurance required for these services until the annual limit has been met.

Best For Member Satisfaction: Kaiser Permanente

Average Medicare star rating: 5 out of 5.

Service area: Available in eight states and Washington, D.C.

Standout feature: Kaiser Permanente netted the top spot out of nine providers on J.D. Powers most recent U.S. Medicare Advantage study, which is based on customer satisfaction.

Kaiser Permanente is the fifth-largest provider of Medicare Advantage plans, and the company gets high ratings from the CMS as well as outside ratings agencies. Most of Kaisers Medicare Advantage plans come with dental coverage.


  • About nine out of 10 Kaiser Permanente Medicare Advantage plans offer preventive dental coverage, and 84% also offer comprehensive dental coverage.

  • Most of Kaisers plans offer access to supplemental dental coverage if you need it, for as little as $9 per month.

  • Of the seven Medicare health plans that got a 5 out of 5 rating from the National Committee for Quality Assurance in 2021, four of them are Kaiser plans.


  • Kaisers comprehensive dental coverage includes an average of only four covered services per plan.

  • Kaiser Permanente plans are available in only eight states and Washington, D.C.

  • Kaiser offers only HMO plans, so members must use Kaisers network of providers.

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Conveniently Located Dental Offices

We have 21 dental office locations in the Portland-Vancouver metro area, Longview, Salem, and Eugene. Our Oregon and SW Washington dental group has pediatric dentists, orthodontists, periodontists, oral surgeons, endodontists, and prosthodontists, should you or your family member need to see a dental specialist. This makes specialist referrals and teamwork easier.

How Much Does A Medicare Advantage Plan With Dental Coverage Cost Out


Typically, copayment or coinsurance for most Medicare Advantage Plan dental coverage, such as 50% coinsurance or a $50 copayment. Also, many plans cap the annual coverage amount. That being said, plans are different between providers and even between plans offered by the same provider. You should check the costs associated with your dental coverage before committing to a plan.

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Do Medicare Advantage Plans Cover Dental Services

Some people might assume that thereâs Medicare coverage of dental care through Original Medicare . But Original Medicare doesnât cover most routine care for your teeth. Medicare Advantage plans often have dental benefits.

Original Medicare usually doesnât cover dental care such as cleanings, fillings, tooth extractions, or dentures. In fact, Original Medicare generally only pays for dental services for certain emergencies or complicated dental procedures. Medicare Advantage plans with dental â thatâs another story.

Find Dental Plans For Medicare Near You

To find a dental plan near you, you should visit the websites of the companies offering Medicare Advantage plans to view the details of each plan. Many company websites also allow you to see if your dentist accepts the plan. If youre not sure where to start, consider talking to a broker or consultant. Good resources include the State Health Insurance Assistance Program at 877-839-2675 or call Medicare at 800-MEDICARE to get answers to questions not answered in your research.

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Do All Medicare Advantage Plans Cover Dental Services

No â although many Medicare Advantage plans cover routine dental care, not all do. Thatâs why it may be a good idea for you to compare Medicare Advantage plans. That way, you can see which Medicare Advantage plans cover dental services and other benefits that are important to you. For example, if routine vision and hearing care are important to you, you can look for such coverage when you compare plans.

One easy and quick way to compare Medicare Advantage plans â with no obligation to enroll â is to use eHealthâs plan comparison tool. All you need to do to get started is enter your zip code on this page.

You may have to pay a deductible and/or coinsurance or copayment for these services in Medicare Advantage plans with dental coverage.

Itâs important to keep in mind that Medicare Advantage plans are offered by private insurance companies contracted with Medicare. These private insurance companies must cover everything that Original Medicare covers, and might offer additional coverage as well. Routine dental services would be considered additional coverage.

Medicare Advantage dental services may vary from plan to plan. As you browse through Medicare Advantage plan descriptions, look under the âdental servicesâ section. If it says âMedicare-covered benefitsâ you may not get any coverage beyond what Original Medicare covers, which does not include routine care.

Learn How The Plan Works

Health Guardian Angels  Specializing in Medicare Products and Health ...

Plan ahead and stick to your budget with DeltaCare USA, an HMO-type plan.

Choose your primary care dentist

Select a skilled primary care dentist from the DeltaCare USA network using our Find a Dentist tool. This dentist provides most of your treatment and coordinates any necessary specialist referrals. You can change your DeltaCare USA dentist at any time.

See your costs up front and save

The plan gives you a broad range of coverage with no waiting period, annual maximum or deductible. You’ll have a list of copayments for every covered procedure so you know all your costs for preventive, basic and major services up front.

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Is Kaiser Senior Advantage Worth It

Kaiser health plans are highly rated. The Centers for Medicare and Medicaid services rated Kaiser Medicare Advantage plans 5 out of 5 stars in 2020. … Kaiser plan members particularly love the convenience of an all-in-one healthcare solution. Many positive online reviews mention excellent coordination of care.

Youre Our First Priorityevery Time

We believe everyone should be able to make financial decisions with confidence. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about , but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.Here is a list of our partners.

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Kaiser Adult Dental Coverage

Not Covered Not Covered

The companys dental insurance plan is called Teethkeepers, a triple-choice dental program. This type of policy offers dental benefits to consumers on a direct-pay basis. Anyone can enroll in this program. It is not an actual insurance policy but a discount opportunity for those who enroll. It is ideal for seniors who want good benefits at a low cost to get it.

There are three options for consumers to select from through the Teethkeepers plan. They include the following:

Do Kaiser Medicare Plans Include Dental Coverage

Dental Plans for Seniors: Medicare Advantage & MORE!

Depending on the type of Kaiser Medicare plan you choose, you may receive coverage for preventive dental services such as exams, cleanings and X-rays every six months. Dental services may require a small copayment.

More advanced dental services may also be covered at a reduced rate and may include diagnostic and restorative services, endodontics, periodontics, extractions and prosthodontics.

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Additional Kaiser Medicare Advantage Coverage

Kaiser Medicare Advantage plans include all of the same basic benefits found in Original Medicare . That includes inpatient care administered at hospitals, skilled nursing facilities and other inpatient centers as well as doctors appointments, rehabilitation and outpatient procedures and appointments.

In addition to these basic benefits, Kaiser Medicare Advantage plans may also include prescription drug coverage and coverage for certain over-the-counter health items purchased from pharmacies or other retailers.

What Dental Care Does Medicare Advantage Cover

Medicare Advantage dental coverage may be as basic as annual cleanings and X-rays, or a plan may cover more comprehensive services like extractions and dentures. Many plans have an annual dollar limit on coverage, so although a plan may cover comprehensive services, if you need significant work done in one year, you may still spend a good amount out of pocket.

A plan may also require prior authorization for more expensive services.

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Does Medicare Supplement Insurance Include Dental Care

Medicare Supplement insurance is available from private insurance companies. It works alongside your Medicare Part A and Part B benefits and generally pays at least some of your Part A and Part B coinsurance, copayments, and deductibles.

Medicare Supplement insurance plans sold today donât include dental benefits with their standardized, basic benefits.

Read more about Medicare Supplement insurance.

Best For Size Of Dental Network: Unitedhealthcare

Benefits / V.S.P. Information

Average Medicare star rating: 4.2 out of 5.

Service area: Available in 50 states and Washington, D.C.

Standout feature: UnitedHealthcare has the largest network of dental providers of all Medicare Advantage companies, with approximately 100,000 providers.

UnitedHealthcare is the biggest provider of Medicare Advantage plans in the U.S., with a presence in all 50 states and plans available in almost three-quarters of U.S. counties. UnitedHealthcare also partners with AARP and insures Medicare products with the AARP name. Many of UHCs members are in plans with high star ratings.


  • UHC offers the largest Medicare dental network, with approximately 100,000 providers.

  • UHC plans with comprehensive dental coverage include an average of six services per plan.

  • Three-quarters of UHC Medicare Advantage members are in highly rated plans.


  • Only 75% of UHC plans offer comprehensive dental coverage, one of the lowest among the major Medicare Advantage providers.

  • UHC tied for sixth out of nine providers on J.D. Powers latest Medicare Advantage study, which measured member satisfaction.

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Best National Coverage: Aetna

  • Coverage Limit : $1,000 to $4,500
  • Providers In Network: 700,000

With plans offered in all 50 states, Aetna is our top choice for national coverage. The insurer features a provider network of over 1.2 million health care professionals across the country.

  • Available in all 50 states

  • Large provider network

  • Not all plans offered in all areas

  • Not all plans come with dental coverage

We chose Aetna as best for national coverage for its operations in all 50 states. Aetna has approximately 12.7 million dental members, and their network includes about 1.2 million health care professionals, with over 700,000 primary care doctors and specialists.

With many of their Medicare Advantage plans, Aetna offers home delivery of most prescription drugs through their mail-order pharmacy: CVS Caremark. Aetna also offers a concierge program with many of its Medicare Advantage plans. An Aetna concierge can help you manage your health care expenses, understand your benefits, locate providers near you, and help plan for treatments.

Founded in 1853, Aetna has a full range of plans with premiums ranging from $0 to nearly $100 each month, depending on your needs and location.

Protect Your Smile Power

Delta Dental of Colorado is a nonprofit dental benefits company with a mission to improve the oral health of the communities we servesomething we take very seriously. We give our 1.5 million members like you the power to use and manage their dental benefits easily. Through our innovative plans, large dentist network, and expert customer service, we make dental care accessible, affordable, and simple, leading to a healthier smile and life. And through our foundation and corporate social responsibility initiatives, we are active in the community, helping expand access to quality dental care and giving to organizations that support our mission of improving the oral health of the communities we serve. Creating healthy Colorado smiles is what drives us.Check out our website quick reference guide to learn more about what our website has to offer.

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Support For Your Smile

We know it takes more than good oral hygiene to keep your smile healthy. Regular dental care is essential to your smiles health. With our plans, you get the tools and information you need to get the most from your coverage.

Access to MySmile®

MySmile is a secure toolbox where you can view your coverage, print your ID card, get instant out-of-pocket cost estimates and more!

Instant cost estimates with MySmile Cost Genie

MySmile Cost Genie gives instant, personalized out-of-pocket cost estimates based on your coverage and dentist. Its available through MySmile and a great way to eliminate surprises when your smile needs treatment.

Help finding a participating dentist

Participating dentists provide treatments at discounted rates and file all claims paperwork for you. Youre only responsible for your stated deductibles, coinsurance and/or amounts in excess of the plan maximums. We recommend you see a Delta Dental PPO network dentist because, in most cases, youll experience the greatest out-of-pocket savings. Find a participating, in-network, dentist in your area by using our Find a Dentist tool.

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