Medicare Advantage Dental Benefits for Seniors 65+ in Paramus & Englewood, NJ

Every day, more than 10,000 Americans turn 65 and automatically enroll in Medicare. Many of these individuals are among those who need dental care the most—but they’re also one of the most underinsured groups in the country.

While many had dental coverage through an employer before retirement, most lose those benefits when they stop working. This often means going without essential treatments or paying high out-of-pocket costs. About one-quarter of seniors secure dental coverage through a Medicare Advantage plan, while others rely on private dental insurance or discount programs. As our senior population grows, this gap in coverage continues to widen.

The Reality of Dental Costs Without Insurance

The cost of dental care can be a major barrier for seniors. Even basic preventive visits can add up quickly, and more advanced procedures can cost thousands of dollars.

Typical dental procedure costs without insurance:

• Checkups & Cleanings: Basic exam – $50–$100

• Dental X-rays: $20–$250

• Standard cleaning: $70–$200

• Fillings: Silver amalgam – $50–$300; Composite – $90–$450

• Extractions: Simple – $75–$450; Surgical – $150–$650

• Wisdom teeth removal: $75–$3,000 depending on complexity

• Crowns: $500–$3,000 depending on material

• Root canals: $300–$2,000 depending on location and complexity

Without coverage, these costs can make seniors delay or avoid treatment—often until a small problem becomes a serious one.

Medicare vs. Medicare Advantage

Traditional Medicare (Parts A & B) covers hospital stays, certain medical procedures, and limited emergency care. It does not typically cover:

• Routine exams

• Cleanings

• Fillings

• Crowns

• Dentures

• Dental implants

Medicare Advantage Plans (Part C) are offered by private insurance companies approved by Medicare. They often include additional benefits beyond basic Medicare—such as dental, vision, and hearing care.

Typical dental benefits under Medicare Advantage include:

• Annual checkups and cleanings

• Basic exams and X-rays

• Limited restorative work (coverage varies by plan)

Coverage for major treatments like crowns, root canals, and dentures depends on your plan’s specifics.

Other Coverage Options for Seniors in Paramus & Englewood NJ

Standalone Dental Insurance

• Offers more comprehensive coverage for dental services than Medicare Advantage

• Comes in tiers (basic, mid-range, and premium) with varying monthly premiums

• Often covers preventive care at 100%, basic procedures at 80%, and major work at 50%

Dental Discount Plans

• Membership-based savings programs—not insurance

• Offer reduced fees on common procedures like exams, cleanings, fillings, and dentures

• No deductibles, waiting periods, or age limits

• Some plans also include discounts on vision, hearing, and prescriptions

Making Dental Care More Affordable

At The Town Dentist, we work with our Medicare Advantage patients to help them understand and maximize their benefits. If your plan doesn’t provide the coverage you need, we also offer:

• Flexible payment plans

• Third-party financing options (including CareCredit)

• Senior-friendly scheduling and care coordination

Why Seniors in Paramus & Englewood NJ Choose The Town Dentist

• Experience working with Medicare Advantage and other senior dental plans

• A wide range of services under one roof—from preventive care to dental implants

• Compassionate, patient-focused care in a comfortable environment

• Convenient locations in both Paramus and Englewood, NJ

Frequently Asked Questions:

1. What dental services are usually covered by Medicare Advantage plans?

Most Medicare Advantage plans include preventive services like annual cleanings, exams, and X-rays. Some may cover basic restorative work, but coverage for crowns, root canals, or dentures varies by plan.

2. Does Medicare pay for dental implants?

Traditional Medicare does not cover dental implants. Some Medicare Advantage plans may provide partial coverage depending on the plan details.

3. Can I use Medicare Advantage for emergency dental care?

Many Medicare Advantage plans include limited emergency dental benefits. The type and amount of coverage depend on the plan you choose.

4. Is it better to get Medicare Advantage or standalone dental insurance?

Medicare Advantage may be a better choice if you want dental, vision, hearing, and prescription benefits in one plan. Standalone dental insurance often offers more comprehensive dental coverage but does not include other health benefits.

5. Do you accept Medicare Advantage patients in Paramus and Englewood?

Yes. At The Town Dentist, we work with many Medicare Advantage plans and help seniors in both Paramus and Englewood, NJ, understand and maximize their benefits.

Don’t Delay the Care You Need

Your oral health is essential to your overall well-being. If you’re a Medicare Advantage member—or exploring your dental coverage options—our team is here to help.

Call The Town Dentist today to schedule your appointment in Paramus or Englewood, NJ and let us help you make the most of your dental benefits.