Medicare and Oral Surgery: What's Covered and What's Not

June 25, 2024

Navigating the intricacies of Medicare can be challenging, especially when it comes to understanding what is covered in terms of oral surgery. For many seniors, oral health is a critical component of overall wellness, making it essential to know what Medicare covers and what it does not. This blog aims to shed light on Medicare’s coverage of oral surgery, helping you make informed decisions about your dental care.

Understanding Medicare’s Dental Coverage

Medicare, the federal health insurance program for people aged 65 and over, and certain younger individuals with disabilities, typically does not cover routine dental care, including cleanings, fillings, and dentures. However, when it comes to oral surgery, there are specific situations where Medicare might offer coverage.

What’s Covered

  1. Medically Necessary Oral Surgery: Medicare Part B may cover oral surgery if it is deemed medically necessary. For example, if you require surgery to treat a medical condition that affects your mouth or jaw, such as cancer, Medicare might cover the procedure. This can include biopsies, the removal of tumors, and reconstructive surgery following an injury.
  2. Hospitalization for Dental Procedures: In some cases, Medicare Part A (Hospital Insurance) might cover hospital stays for dental procedures if you need to be admitted due to a severe health condition or an emergency. This coverage does not extend to the dental procedure itself but to the hospital costs associated with your stay.
  3. Dental Services Prior to Covered Procedures: If you need dental services that are necessary for another covered medical procedure, Medicare may provide coverage. For instance, if you need a tooth extraction before undergoing heart surgery, Medicare might cover the extraction as part of the preparatory process.

What’s Not Covered

  1. Routine Dental Procedures: Medicare does not cover routine dental care, such as cleanings, exams, fillings, or dentures. Beneficiaries need to pay out-of-pocket or seek alternative dental insurance for these services.
  2. Elective Oral Surgery: Any elective oral surgery, including cosmetic procedures like dental implants or orthodontics, is not covered by Medicare. These procedures are considered non-essential and must be paid for by the patient.
  3. Non-Medically Necessary Extractions: While extractions needed for medical reasons might be covered, those for non-medical reasons, such as preparing for dentures, are typically not covered.

Alternative Coverage Options

Given the limited scope of Medicare’s dental coverage, many seniors opt for additional insurance to help cover dental expenses. Medicare Advantage Plans (Part C) often include dental benefits, which can cover routine care and some oral surgeries. Additionally, standalone dental insurance plans can be a valuable resource for those needing comprehensive dental care. Contact us online for more information.

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