Blue cross blue shield medicare advantage dental coverage

You may be used to traditional health insurance that covers routine dental care. But Medicare works a little differently.

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BCN AdvantageSM
Medicare Plus BlueSM
Blue Cross Medicare Supplement or Legacy Medigap
Medicare Coverage Options

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.

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 and Assure plans include routine dental exams, cleanings and X-rays. Medicare Plus Blue PPO Essential doesn’t. 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.

Flexible Content

Medicare Coverage Options

When it comes to choosing the right Medicare coverage, it is important to understand all of your options. We’re here to help you make the right choice – that’s the Benefit of Blue.

Why Purchase Other Medicare Coverage?

Medicare Part A and Part B (Original Medicare) do not cover all medical expenses. Additional coverage could help you better manage or limit your out-of-pocket expenses.

For example, Medicare Part A and Part B do not cover:

Hearing aids
Routine vision care
Routine dental care
Extended long-term care
Custodial care

Other Medicare coverage is available through private health insurance companies:

Medicare Advantage (Part C) plans offer all Medicare Part A and Part B benefits, plus additional services, such as wellness programs, hearing aids and vision services, generally with lower cost sharing and an annual out-of-pocket maximum.

Prescription Drug Coverage (Part D) is an option for those with Original Medicare. It covers prescription drug costs. Individuals enrolled in Medicare Advantage do not need to purchase a Part D plan.

Medigap (Medicare Supplement) is an option for those with Original Medicare. It covers the out-of-pocket costs for the health expenses not typically covered by Medicare Parts A and B (Original Medicare). Individuals enrolled in Medicare Advantage do not need to purchase a Medigap plan.

Your Options at a Glance

Option 1

Enroll in Original Medicare when you become eligible.

Option 2

Enroll in Original Medicare when you become eligible, and consider selecting a Part D and/or a Medigap plan.

Consider purchasing a Part D plan for help covering your prescription drug costs.

Consider purchasing a Medigap plan for help filling in specific cost-sharing gaps for Medicare Part A and Part B (Original Medicare).

Option 3

Enroll in Original Medicare when you become eligible, and consider selecting a Medicare Advantage plan.

Consider purchasing a Medicare Advantage plan for coverage that offers all Medicare Part A and Part B benefits while generally including some additional services, such as wellness programs, hearing aids and vision services. Also, most plans (such as PPO and HMO plans) include prescription drug coverage.

blue cross blue shield medicare advantage dental coverage