Are dental benefits part of my plan?
Who is this for?
If you’re shopping for a Medicare plan or need to find out if your current coverage includes dental care, this information is for you.
You may be used to traditional health insurance that covers routine dental care. But Medicare works a little differently.
Whether you have dental benefits will depend on what type of Medicare coverage you have.
- Original Medicare (Part A and Part B) is run by the U.S. government. It doesn’t cover routine dental exams, cleanings, procedures or dentures. It does cover some dental care related to hospitalizations, surgeries and the treatment of diseases. You’ll pay for routine dental care and dentures out of your own pocket with Original Medicare.
- Private health insurance companies offer Medicare Advantage (Part C) plans that include everything Original Medicare offers, plus extra benefits. They may include routine dental care. What’s covered depends on your plan.
- Some private health insurance companies offer buy-up dental options for those with a Medicare Supplement plan. What’s covered depends on your plan and what the carrier offers.
BCN AdvantageSM
Most of our BCN Advantage HMO and HMO-POS plans include routine dental exams, cleanings and X-rays. You may buy an optional supplemental plan that includes fillings, root canals, extractions, crowns and fluoride treatments. It also includes vision and hearing benefits.
Learn more about how to get extra coverage for your HMO or HMO-POS plan.
Medicare Plus BlueSM
Medicare Plus Blue PPO Vitality, Signature, Essential and Assure plans include routine dental exams, cleanings and X-rays. Additional coverage that includes fillings, root canals, extractions, crowns and fluoride treatments is also available with our PPO plans.
Learn more about how to get extra coverage for your PPO plan.
Blue Cross Medicare Supplement or Legacy Medigap
Blue Cross Medicare Supplement plans do not include routine dental exams, cleanings and X-rays. You may choose to pair a new or existing Blue Cross Medicare Supplement or Legacy Medigap plan with the Dental Vision Hearing Package that includes coverage for fillings, root canals, extractions, crowns and fluoride treatments. It also includes vision and hearing benefits.
Learn more about how to get coverage for your Blue Cross Medicare Supplement or Legacy Medigap plan.
This is a solicitation of insurance. We may contact you about buying insurance. Blue Cross Medicare Supplement plans aren’t connected with or endorsed by the U.S. government or the federal Medicare program.
Important information about your plan
The Medicare deductibles, coinsurance and copays listed are based on the 2023 numbers approved by the Centers for Medicare and Medicaid Services. You can go to any hospital, doctor or other health care provider in the U.S. or its territories that accepts medicare. You don't have to use our network. Blue Cross Blue Shield of Michigan administers Blue Cross medicare Supplement plans. Where you live, your age, gender and whether you use nicotine products (including e-cigarettes, vaping, and nicotine patches or gum) may affect what you pay for your plan. Your health status may also affect what you pay. This is a solicitation of insurance. We may contact you about buying insurance. Blue Cross Medicare Supplement plans aren't connected with or endorsed by the U.S. government or the federal Medicare program.
If you're currently enrolled in Plan A or Plan C, you can stay with your plan as long as you pay your premium. You may enroll in Plan C if you've lost coverage under a group policy after becoming eligible for Medicare. You're also eligible if you had Plan C, then enrolled in a Medicare Advantage plan, and now would like to return to Plan C. You can do this as long as it's within the first 12 months of your Medicare Advantage plan. You're automatically eligible for Plan A if you're 65 or older. If you're under age 65, you are eligible for Plan A if you've lost coverage under a group policy after becoming eligible for Medicare. You can also enroll if you had Plan A, then enrolled in a Medicare Advantage plan, and now would like to return to Plan A. You can do this as long as it's within the first 12 months of your Medicare Advantage plan. You'll need to meet these requirements to apply for these plans.
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