Do UnitedHealthcare Medicare Plans Include Routine Dental Coverage?
This article was updated on: 10/21/2018
UnitedHealthcare Medicare Advantage plans offer you an alternative way to get your Original Medicare (Part A and Part B) benefits. By law, all Medicare Advantage plans must cover, at a minimum, everything Original Medicare covers (except hospice benefits, which Part A covers). Many UnitedHealthcare Medicare Advantage plans include optional additional benefits, such as coverage for prescription drugs, and even routine dental and hearing care.
Original Medicare (Part A and Part B), however, only covers certain dental services if medically necessary as part of your treatment as a hospital inpatient. If you need emergency or complex dental services, Medicare Part A may cover inpatient hospital care (but generally not the dental services themselves).
If you would like coverage for routine dental care, such as cleanings and fillings, here’s what you should know about UnitedHealthcare Medicare dental coverage.
Can I get coverage for routine dental care with a UnitedHealthcare Medicare Advantage plan?
Not every UnitedHealthcare Medicare Advantage plan includes routine dental coverage. There are two ways to get dental coverage for routine dental care services with a UnitedHealthcare Medicare Advantage plan.
- You can choose a plan that includes benefits for routine dental care.
- You can enroll in a plan that offers the option to purchase an optional supplemental rider for routine dental care (an extra premium may apply).
Depending on the plan you choose, you may be able to get Medicare dental coverage for routine services under your UnitedHealthcare Medicare Advantage plan with benefits for routine and restorative services such as:
- Annual exams, including bite wing and panoramic x-rays
- Routine cleaning and polishing
- Minor restorative procedures such as fillings
- Non-surgical extractions
- Minor periodontal scalings
- Dentures and denture adjustments
- Crowns and bridgework
It’s important to note that, depending on the type of plan you sign up for, your premiums for routine dental coverage may be included in your Medicare Advantage plan premium, or they may be in addition to it. You must also continue to pay your monthly Part B premium while you are enrolled in the Medicare Advantage program.
What else should I know about Medicare dental coverage with a UnitedHealthcare Medicare Advantage plan?
UnitedHealthcare is a private company contracted with Medicare to provide benefits; not all plans may be available in all locations, and plan benefits and premiums may vary depending on where you live and the type of plan you choose.
Your UnitedHealthcare Medicare Advantage plan may require you to use certain providers to access your plan benefits, or offer lower out-of-pocket expenses if you use network providers.
You may have costs such as copayments, coinsurance amounts, and deductibles under your UnitedHealthcare Medicare Advantage plan; some plans may place annual benefit caps on your dental coverage.
Learn about eligibility requirements and enrollment periods for Medicare Advantage plans.
To find out more about UnitedHealthcare, visit the UnitedHealthcare Medicare page. You’re welcome to start comparing plans right now with no obligations – just click the Find Plans button on this page.