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Medicare Dental Plans with Senior Coffee Talk

Medicare dental plans with Senior Coffee Talk on YouTube. Cleanings and x-rays and claim forms, oh my! I'm Andrea Edwards and I can help you find a plan that will cover your cleanings, x-rays, fillings or dentures.  And if there isn't a company that covers what you need in your area I'll let you know that too.

What do most insurance plans cover for your teeth on Medicare?

What many seniors discover after they turn 65 is that they have to learn a whole new way to tackle their medical and dental care.  Whether you have a traditional Medicare supplement or an Advantage/Medigap plan you may find yourself in the majority of retirees position with no dental.

If that is the boat you find yourself in currently then what can you do?  Are there policies out there that can help you keep your teeth in good shape?  Do any of them cover dentures? Are they worth the premium amounts they will cost you?  Let's break it down.

Aetna offers a supplemental dental plan in 2019 in a hand full of states that you can purchase to go along with your medical.  It ranges between $18 to $23 a month. This plan covers the following:

  • Two exams
  • Two cleanings
  • 1 set of bitewings
  • 2 fillings
  • 2 simple extractions
  • 2 emergency exams for pain
  • crown recement

The exams cleanings and bitewing x-rays are covered 100% if you choose someone in their network. If you go to a provider out of the network then it will only covered 70% of the allowable rate (the allowable rate is typically lower than the dentists' billed amount).

The basic services, which are the fillings, extractions, pain treatment exams, and recementing of a crown are covered at lower percentages.  If you stay in network basic services are covered at 50% after a $50 deductible applies and if your treating provider is out of network then the payout rate is 45% of the allowable rate after the $50 deductible.


Aetna Health

800 Crescent Centre Dr, Ste 200

Franklin, TN  37067

American National Life Insurance

One Moody Plaza

Galveston, TX  77550

American Retirement Life

11200 Lakeline Boulevard, Ste 100

Austin, TX 78717

Americo Financial Life

300 West 11th St.

Kansas Cit, MO  64105

Assured Life Association

PO Box 2397

Omaha, NE  68103

Bankers Fidelity 

4370 Peachtree Road NE

Atlanta, GA  30319

Cigna Health

Cigna Supplement Benefits

11200 Lakeline Boulevard, Ste 100

Austin, TX  78717

Colonial Penn

11825 N Pennsylvania St

Carmel, IN 46032

Equitable National Life

PO Box 2850

Salt Lake City, UT  84110

Erie Family Life

100 Erie Insurance Pl

Erie, PA  16530

Everence Association

1110 North Main St

PO Box 483

Goshen, IN  46527

FirstCare Incorporated

dba CareFirst MedPlus

10455 Mill Run Cir

Owings Mills, MD 21117

First Health Life and Health Insurance Company

3200 Highland Ave

Downers Grove, IL  60515


Gerber Life

Administrative Office

PO Box 2271

Omaha, NE  68103

Global Life and Accident Insurance Company

3700 South Stonebridge Dr

PO Box 8080

McKinney, TX  75090

Government Personnel Mutual (GPM) Health & Life Insurance Co

PO Box 2679

Omaha, NE  68103

GPM Health and Life Insurance Company

PO Box 2679

Omaha, NE  68103

Greek Catholic Union of the USA

5400 Tuscarawas Rd

Beaver, PA  15009

Guarantee Trust Life Ins Co

1275 Milwaukee Ave

Glenview, IL  60025

HumanaDental

2432 Fortune Drive

Lexington, KY  40609

Humana Insurance Company

500 WMain St

Louisville, KY  40202

Individual Assurance Company Life, Health & Accident

PO Box 14535

Edmond, OK  73113

Liberty Bankers Life Ins Co

16505 LBJ Freeway, Ste 710

Dallas, TX  75234

Loyal Christian Benefit Association

Medicare Supplement Administrative Office

PO Box 3090

Salt Lake City, UT  84110

National Guardian Life

2 East Gilman St

Madison, WI  53701

National Health Insurance Company

PO Box 3450

Salt Lake City, UT  84110

Oxford Life

2721 N Central Ave

Phoenix, AZ  85004

Pan-American

601 Poydras St

New Orleans, LA  70130

Philadelphia American

PO Box 4884

Houston, TX  77210

Physicians Mutual

2600 Dodge St

Omaha, NE  68131

Renaissance Life & Health

Health Administrative Office

PO Box 27248

Salt Lake City, UT  84127

Reserve National

601 East Britton Rd

Oklahoma City, OK  73114

Sentinel Security Life

PO Box 27248

Salt Lake City, UT  84127

Shenandoah Life

PO Box 14558

Clearwater, FL  33766

Southern Guaranty Insurance

800 Crescent Centre Drive, Ste 200

Franklin, TN  37067

State Farm

One State Farm Plaza

Bloomington, IL  61710

Thrivent Financial for Lutherans

4321 N Ballard Rd

Appleton, WI  54919