Does Medicare Cover Dental?
HSChange Editorial Team
Health Policy Research Team, Consumer Health Guidance
Reviewed by Dr. Sarah Mitchell, MD, MPH, Board-Certified Internal Medicine
Last updated: April 4, 2026
The short answer: Original Medicare (Parts A and B) does not cover routine dental care. No cleanings, no fillings, no dentures, no extractions. It's one of the biggest gaps in the program, and it affects millions of seniors who need dental work but can't afford to pay out of pocket.
What Original Medicare Does Cover
There are narrow exceptions. Medicare Part A covers dental services that are part of an inpatient hospital procedure. If you need jaw reconstruction after an accident or dental work before a heart valve replacement, Part A may pay. Part B covers a limited number of medically necessary dental procedures, such as extractions done in preparation for radiation treatment of the jaw. But routine checkups, cleanings, and fillings? Not covered.
Medicare Advantage Dental Coverage
Most Medicare Advantage plans include some dental coverage as an extra benefit. The scope varies widely. Some plans cover only preventive care (two cleanings and an exam per year). Others include basic procedures like fillings and extractions. A smaller number cover major work like crowns, bridges, and dentures, usually with annual dollar limits ($1,000 to $3,000 is common). Check the specific plan's evidence of coverage before enrolling if dental matters to you.
Standalone Dental Insurance
If you're on Original Medicare and want dental coverage, you can buy a standalone dental insurance plan. These typically cost $20 to $60 per month and cover preventive care plus some basic and major services, usually with waiting periods for expensive procedures. Dental discount plans are another option, offering reduced rates at participating dentists without traditional insurance.
Other Options
Community health centers and dental schools offer reduced-cost dental care on a sliding fee scale. Some states provide limited dental benefits through Medicaid for people who qualify for both Medicare and Medicaid (dual eligibles). If you're low-income, check your state's Medicaid dental benefits, which can supplement what Medicare doesn't cover.