Are dental implants covered by Medicare?

Medicare Advantage does not cover dental implants directly. However, you can purchase a dental insurance plan with partial dental implant coverage through Medicare Advantage. Original Medicare does not directly cover dental implants, either. However, it will cover 30%-50% of the cost for related surgeries if those surgeries are medically necessary.

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UPDATED: Jun 28, 2022

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Written By: Chris TepedinoReviewed By: Laura WalkerUPDATED: Jun 28, 2022Fact Checked

The Rundown

  • Many dental plans with Medicare Advantage offer limited coverage for dental implants, so you will be responsible for paying out of pocket regardless
  • Aetna, Cigna, and UnitedHealth Group offer dental plans for seniors on Medicare that include dental implants
  • You may have emergency coverage from Medicare for care related to dental implants

Does Medicare Advantage cover dental implants, and under which circumstances? What about Original Medicare? In short, Medicare will not directly pay for most dental work, which includes dental implants.

That said, Medicare will pay for care related to dental implants in certain circumstances. Of course, you may have some coverage for dental implants if you choose the right health insurance plan.

Read on to know about how plans under Medicare cover dental implants and how much you can expect to pay for the procedure. But if you want to see quotes from Medicare partners right now, enter your ZIP code into our free quote tool above.

Does Medicare cover dental implants regardless of your plan?

Original Medicare will not cover dental implants. Medicare Part A only covers hospital costs, and Part B only covers medical services. However, many Medicare Advantage plans do include dental insurance.

Medicare Part A will only cover your hospitalization if you need emergency dental surgery.

Also, the Centers for Medicare & Medicaid Services state that Part A may cover an oral examination in preparation of a procedure like renal surgery or a heart valve replacement surgery. However, a dentist on the hospital staff must do the exam in such a case.

Part B will cover dental procedures you need in preparation for other medical procedures, like radiation or the removal of a tumor. Also, Part B will cover an oral examination related to renal or heart valve replacement surgery if a physician does the exam.

Also, if you are wondering, “Can I get dental coverage from a Medigap policy?” Medigap plans do not offer dental coverage. These plans only supplement Original Medicare to cover out-of-pocket costs.

Getting an implant is an elective dental procedure, so only advanced dental plans will help you cover the costs. You must choose the right dental plan through Medicare Advantage (also known as Part C).

According to data from the Kaiser Family Foundation, 94% of Medicare Advantage enrollees have plans that include some dental coverage. However, many dental insurance plans do not include dental implant services.

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Which Medicare Advantage plans cover dental implants?

The following dental insurance companies offer coverage for dental implants for seniors on Medicare.

Costs for Medicare Advantage Dental Insurance Partners That Offer Dental Implants

CompanyDeductibleCoinsurance PercentageAverage Monthly RatesAvailability
Aetna$10020%-50%$7550 states
Blue Cross Blue Shield$0Varies$51.3050 states
Cigna$50Varies$3550 states
Delta Dental (AARP)$00%$21.4350 states
Humana$10050%$4450 states
Kaiser Permanente$2520%-50%$3250 states
Renaissance Dental$5050%$4450 states
UnitedHealth Group$10020%-30%$10047 states
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Note that even with this coverage, you are still responsible for paying much of the cost for your dental implants. On average, a single implant may cost you between $3,000 and $6,000.

You will also need to pay monthly, semi-annual, or annual rates for your dental plans, make Medicare Part B payments, and meet your deductibles.

How much does Medicare pay for dental implants?

Now, you must be wondering, “How can I get Medicare to pay for dental implants?” Unfortunately, Medicare does not pay for the procedure itself in any circumstance.

Even with a Medicare Advantage plan, Medicare itself will not directly cover your costs for dental implants. However, Medicare may pay for 30%-50% of the costs for any medically necessary oral surgeries related to your dental implant treatment.

For example, if you need to stay in a hospital after getting a dental implant, Part A will cover those costs. Part B covers corrective surgery if it promotes your overall health.

The Final Word on Medicare Dental Implants

Let’s review:

  • Medicare will not directly cover dental implant procedures or materials.
  • There are a limited number of Medicare Advantage plans that cover dental implants.
  • Regardless of your dental plan, you will need to shoulder much of the cost.

Check with your primary dental care provider to know if any discounts are available. Some dental offices offer discounted prices for Medicare recipients. You may also enroll in separate discount programs or receive coverage from Medicaid if you live in a state that allows it.

Now that you know whether Medicare Advantage covers dental implants, are you ready to see rates from insurance companies that work with Medicare? Just enter your ZIP code into our free quote tool below to get started.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

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