Avoid costly dental bills, get coverage that protects your health and your wallet.

Dental care is one of the biggest gaps in Medicare coverage. Without the right plan, even routine visits can become expensive, and major procedures can cost thousands out of pocket.

WHAT IS DENTAL COVERAGE?

Dental coverage helps pay for:

• Routine cleanings and exams

• X-rays and diagnostics

• Fillings and extractions

• Major procedures like crowns, dentures, and root canals

Without coverage, these services are often paid entirely out-of-pocket.

WHY DENTAL COVERAGE MATTERS

Original Medicare does NOT cover most routine dental services, including:

• cleanings

• fillings

• dentures

• crowns

This means many individuals pay 100% of dental costs unless they have additional coverage.

Source: Centers for Medicare & Medicaid Services (CMS) / Medicare.gov

BREAKDOWN OF DENTAL COVERAGE OPTIONS

ORIGINAL MEDICARE

What’s Covered:

• Very limited dental services (only if medically necessary)

What’s NOT Covered:

• Routine cleanings

• Exams

• Fillings

• Dentures

Most everyday dental care is not included

MEDICARE ADVANTAGE (PART C)

Most dental benefits come through Medicare Advantage plans.

What they may include:

• Preventive care (cleanings, exams, X-rays)

• Basic services (fillings, extractions)

• Major services (crowns, dentures)

• Annual benefit allowances

However:

• Annual limits usually apply

• Coverage varies significantly by plan

Source: Kaiser Family Foundation (KFF), Medicare Advantage Reports (2025–2026)

STANDALONE DENTAL PLANS

These plans can provide:

• Higher annual coverage limits

• More flexibility in providers

• Expanded benefits

WHAT DENTAL COVERAGE CAN INCLUDE

Preventive Care

• Routine cleanings

• Exams

• X-rays

Basic Services

• Fillings

• Extractions

• Periodontal care

Major Services

• Crowns

• Root canals

• Dentures

IMPORTANT 2025–2026 INSIGHTS

• Most Medicare Advantage plans now offer dental benefits

• Annual limits often range between $1,000–$2,500+

• Major procedures may still require cost-sharing

 Source: KFF Medicare Advantage Benefit Analysis

WHY DENTAL COVERAGE IS IMPORTANT FOR YOUR HEALTH

Oral health is linked to:

• heart disease

• diabetes complications

• infections

Delaying care often leads to:

• higher costs

• emergency procedures

• long-term health risks

COMMON MISTAKES TO AVOID

• Assuming Medicare covers dental

•  Not checking annual coverage limits

•  Ignoring major procedure coverage

• Waiting until problems become severe

HOW WE HELP YOU

Choosing dental coverage isn’t just about having a plan—it’s about having the right coverage that actually protects you from high costs and limited benefits.

At TAP Insurance Group, we simplify the process and guide you every step of the way.

WHAT WE DO FOR YOU

• Compare the Right Plans for You

  We review multiple dental coverage options—including Medicare Advantage and standalone plans—to help you find one that fits your needs, not just what’s available.

  
  

• Break Down What’s Actually Covered

  Not all dental plans are the same. We help you clearly understand:

  • Preventive care (cleanings, exams, X-rays)

  • Basic services (fillings, extractions)

  • Major procedures (crowns, dentures, root canals)

    So you know exactly what you’re getting before you enroll.

    
    

• Help You Avoid Unexpected Costs

  We walk you through:

  • Annual coverage limits

  • Waiting periods

  • Co-pays and coinsurance

    So you don’t get surprised by out-of-pocket expenses later.

• Check Provider Networks

  We help you find plans that:

  • Work with your preferred dentist (when possible)

  • Offer strong provider networks

  • Give you flexibility in care

• Find the Best Value for Your Budget

  We don’t just look at price—we help you balance:

  • Monthly premiums

  • Coverage benefits

  • Long-term value