I picked a Medicare Advantage plan because of the dental and now I found out it only covers cleanings. Why didn't anyone tell me this upfront?
Answered by 9 licensed agents
Most Medicare advantages cover more than cleanings. If you worked with a broker you needed to ask them how the dental works and what they will Cover. You can also call me and I can advise
Answered by Tasha Riggs on April 7, 2025
Broker Licensed in CO, AZ, HI & 10 other states
I'm sorry to hear your expectations weren't met by your plan. The best way to prevent this issue is to look at the Summary of Benefits or the Evidence of Coverage. Your agent should have gone over this information with you. I recommend you get a new agent who will go over all benefits during sign up.
Answered by Cynthia Nakaya on April 1, 2025
Agent Licensed in CA, AZ, CO, GA, MO & TX
Almost all Medicare Advantage plans cover more than just cleanings. I would recommend you sit down with your agent and have them explain the benefits and details for your dental coverage.
Answered by Don Hudson on April 11, 2025
Broker Licensed in FL
You should have been told. If you worked with a broker, you may call them up and let them know you’re unhappy and feel shorted. Advantage plans do change benefits a year as well. I would treat this as a learning curve and in the future whenever you look at an advantage plan Be sure to ask specifics When it comes to dental.
Answered by Gregg Matheny on April 1, 2025
Agent Licensed in AZ & UT
Most Medicare Advantage plans cover more than just cleanings. This is something that your broker or agent should have gone over with you. Your plan's summary of benefits should also provide more details as to what your plan will and will not cover.
As an insurance broker, I always discuss the benefits of my clients' plans or any plans I recommend. You should be able to call your agent/broker and have them clarify, or you can contact me, and I will be happy to review it with you.
Answered by Diana Garner on April 22, 2025
Broker Licensed in KY, FL, IN, OH & TN
If you had a broker that was good, they would have explained all of this to you. Once again, its important to not only find an Independent Agent, but one that ONLY does Medicare. You can't be an expert at everything and if the agent does multiple lines of insurance, they cannot be an expert at Medicare, there's just not enough hours in the day to stay current.
Answered by Steve Brauer on April 14, 2025
Broker Licensed in AZ & CA
Depends on the plan you choose but for the most part most carriers will offer a maximum annual benefit of $1500 on all procedures however depending on the procedure, you will still have out of pocket expenses. With a Medicare Advantage plan you can pick up a second stand alone Dental plan to cover the lion share but these plans are very limited on what they will allow for implants. Some of my friends go to Mexico and pay much less without insurance.
Answered by Jack Mayer on April 14, 2025
Agent Licensed in CA
Totally understandable—and you’re not alone in feeling frustrated. Many plans advertise “dental included,” but the fine print often just covers cleanings, maybe X-rays. Stuff like fillings, crowns, or dentures? That’s usually extra or not covered at all.
Unfortunately, unless someone breaks it down for you, it’s easy to assume it covers more than it does. It’s always good to ask for the full dental breakdown before signing up—but I get it, it should be way clearer up front.
I’m sorry to hear you’re feeling frustrated about your Medicare Advantage plan’s dental coverage—it’s totally understandable to expect more clarity upfront. As a Medicare agent, I didn’t help you pick this plan, but I’m happy to shed some light on what might’ve happened. Dental benefits in Medicare Advantage plans can vary a ton, and sometimes the details get buried in the fine print. A lot of plans advertise “dental coverage” to draw folks in, but they might only cover basics like cleanings and exams, not bigger stuff like fillings or crowns. It’s possible the plan’s summary highlighted the dental perk without spelling out the limits, and unless someone walked you through the Evidence of Coverage document, those specifics can slip by. I’d love to help you review your plan now—maybe we can find a better fit for next enrollment if you need more than cleanings.
Tags:
Coverage
Medicare Advantage
Agents: Share Your Expertise
Have insights or experiences related to this topic? Help others by sharing your knowledge and answering this question.
Add Your Answer
