1. Medicare Advantage (Part C) Plans with Dental Benefits:

• Coverage: Many Medicare Advantage plans offer dental benefits, which can include preventive services like cleanings and exams, as well as more comprehensive services such as fillings, extractions, and dentures. ​Aetna
• Premiums: While some Medicare Advantage plans have a $0 premium, others may charge a monthly premium. The average basic monthly premium for Medicare Advantage plans is estimated to be about $17 in 2025. ​NCOA
• Out-of-Pocket Costs: These vary by plan and service. Preventive services may have low or no copayments, while more extensive procedures could require higher out-of-pocket expenses.​NCOA

2. Stand-Alone Dental Insurance Plans:

• Coverage: These plans are separate from Medicare and provide a range of dental services, from preventive care to major procedures.​
• Premiums: Monthly premiums typically range from $20 to $50 for an individual. ​Humana
• Out-of-Pocket Costs: Plans often include deductibles (commonly $50 to $100) and coinsurance, with patients paying a percentage (e.g., 20% to 50%) of the cost for services beyond preventive care.​

3. Dental Discount Plans:

• Coverage: These are not insurance but offer discounted rates for dental services at participating providers.​
• Premiums: Typically lower than traditional insurance premiums.​
• Out-of-Pocket Costs: Members pay the discounted fee directly to the dentist at the time of service.​

Typical Coverage in Dental Plans:

• Preventive Care: Routine exams, cleanings, and X-rays.​Aetna
• Basic Procedures: Fillings, extractions, and periodontal treatments.​Aetna
• Major Procedures: Crowns, bridges, dentures, and sometimes implants.​

Coverage specifics, premiums, and out-of-pocket costs can vary widely based on the plan and location. It’s essential to review individual plan details and consult with providers to determine the best option for your dental health needs.​