Best Medicare Supplemental Dental Plans

1. Humana Dental - Best Overall Dental Supplement Plans

4.0 / 5

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What We Like Most:

• Coverage for root canals, oral surgery, and dentures
• Plans with no coverage limits
• No network restrictions
• Plans with no waiting periods

Overview

Based in Louisville, Ky., Humana has been in the insurance business for nearly 60 years. Humana is available nationwide and offers all types of health-care coverage, including Medicare Advantage and Medigap policies — although plan details and options vary by state.

In addition to its Medicare Advantage plans, Humana offers optional supplemental benefits (OSBs) for extra dental coverage. OSBs add to your premium, but they will help cover more extensive procedures such as dentures and crowns. You can use Humana’s handy search tool to see what OSBs you can apply to your plan.

Humana Medicare Advantage Pricing: $0 to $120

2. Anthem - Best App

4.1 / 5

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Call for best price:
855-635-3873

What We Like Most:

• Extensive provider network
• Affordable monthly premiums
• Bundling options with health and dental
• Large selection of plans

Overview

Anthem is a subsidiary of the extended Blue Cross Blue Shield group, and it represents the majority of BCBS’ Medicare portfolio. Most of Anthem’s Medicare Advantage plans come at zero premium with dental coverage. It also increases coverage with a dental or dental/vision supplemental package. Some plans allow you to go out of network with an increased copay. You also can’t beat the company’s handy mobile app, which lets you find a provider, access your ID card, review your health records, and calculate costs on the go.

Pricing: $0 to $50 for base premium, plus optional benefits ($14 for preventive dental, $24 for dental and vision, or $43 for enhanced dental and vision)

3. Cigna Dental - Best Dental and Vision Plans

4.5 / 5

What We Like Most:

• Three plan options to choose from
• Deductibles and copays waived for preventive care
• 24/7 customer service and simple claims management
• Low-premium plans available

Overview

Cigna emerged in 1982 from the unification of CG (founded in 1865) and INA (founded in 1792) insurance companies. Since then, it has become a health insurance frontrunner, with both a national and international presence.

Cigna offers many affordable options for Medicare Advantage, including a dental savings plan, which supplies you with a discount card to use for immediate savings with no limits. Consider the Traditions, Total Care, Achieve, and Preferred Plus plans for bundled dental, hearing, vision, and prescription coverage.

4. UnitedHealthcare Dental - Best Bundled Savings

4.0 / 5

What We Like Most:

• No waiting periods on many services
• Hearing aid benefit included
• Optional vision rider
• High annual maximums

Overview

Founded in 1977, UnitedHealthcare is one of the top health-care companies in the nation. In addition to its other health insurance offerings, UnitedHealthcare offers Medicare plans endorsed by AARP.

These plans are available to both members and non-members, and they are specifically designed with retirees in mind. UnitedHealthcare touts the largest dentist provider network in the Medicare sector. You can use its online tool to see whether its plans cover your current dentist.

UnitedHealthcare Medicare Advantage Pricing: $0 to $100

5. Aetna Dental - Lowest Premiums

4 / 5

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What We Like Most:

• Extensive network with more than 372,000 providers to choose from
• Easy-to-use quote tool and provider look-up portal
• No-cost preventive care
• PPO plans

Overview

Aetna’s health insurance offerings provide longevity and reach. With its Medicare Advantage plans, you can either adhere to its dental-care network or opt out of network requirements and receive an allowance to use at your providers of choice. If you are using Aetna’s optional supplemental benefits, an HMO plan will require in-network usage and a PPO will allow out-of-network coverage with added cost.

Pricing: $0 to $100