Supplemental coverage
Dental Insurance
Standalone dental plans covering preventive, basic, and major services up to an annual maximum benefit. Original Medicare does not cover routine dental.
The quick version
If you only read one thing, read this
- 1
Covers preventive (cleanings, exams, X-rays), basic (fillings, extractions), and often major work (crowns, bridges, dentures).
- 2
Premiums typically $20–$55/month depending on age, state, and plan richness. No deductible on many preventive-only tiers.
- 3
Often guaranteed issue or simplified underwriting with a few health questions; no medical exam required.
The details
The stuff that matters, one piece at a time
Benefits
Covers preventive (cleanings, exams, X-rays), basic (fillings, extractions), and often major work (crowns, bridges, dentures).
What it costs
Show me the money
- Pricing Pattern
- VariesDepends on product type & chosen benefit amount
- Typical Premium Range
- $18–$90/moDental lowest; final expense highest
- Typical Premium
- $20–$55/moAge & state dependent
- Annual Maximum Benefit
- $1,000–$2,500Plan pays up to this amount per year
- Major Services Waiting
- 6–12 monthsCommon for crowns, bridges, dentures
The honest take
What's good, and where it falls short
The good stuff
- Fills a major gap. Original Medicare covers almost no dental
- Preventive care typically covered at 100%
- Affordable premiums ($20–$55/month)
The catch
- Annual maximum benefit caps total payout ($1,000–$2,500)
- Waiting periods for major services (6–12 months)
- Cosmetic work usually excluded
Head to head
Hospital Indemnity vs. Cancer Insurance
Different add-on products target different financial risks. Choose based on your gap analysis.
Buyer beware
The mistakes that cost folks the most
Hitting the annual maximum ($1,000–$2,500) on a single crown or bridge, leaving remaining work uncovered
Needing major work during the 6–12 month waiting period when only preventive services are covered
Duplicating dental coverage if your Advantage plan already includes dental benefits
Common questions
What folks ask us most
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See the plans and the prices. Or talk it through with a licensed agent who works for you, not the insurance company.