Dental Insurance
Original Medicare doesn't cover routine dental care. A standalone dental plan helps protect your smile — and your wallet — from unexpected dental costs.
Carriers We Work With
Fred works with multiple dental carriers so you can compare plans and find the right fit — not just whatever one company is pushing.
What Dental Insurance Typically Covers
- Preventive care — cleanings, exams, and X-rays (often 100% covered)
- Basic restorative care — fillings and simple extractions
- Major restorative care — crowns, bridges, and dentures
- Oral surgery
- Emergency dental treatment
What's Usually Not Covered
- ✕Cosmetic procedures (whitening, veneers)
- ✕Orthodontia (braces) — unless specifically included in plan
- ✕Existing dental issues (missing teeth, ongoing treatment) may be excluded or subject to waiting periods, depending on plan.
- ✕Implants — coverage varies widely by plan
Common Questions
Do I need dental insurance if I have Medicare?
Original Medicare (Parts A and B) does NOT cover routine dental care — no cleanings, fillings, extractions, or dentures. Some Medicare Advantage plans include limited dental benefits, but standalone dental plans typically offer higher annual maximums, broader provider networks, and clearer coverage rules than the dental benefits embedded in most Medicare Advantage plans, but this varies by plan.
Is there a waiting period?
Many dental plans have waiting periods for major services (crowns, bridges, dentures) — typically 6 to 12 months. Preventive care is usually covered immediately. Fred can help you find plans with shorter or no waiting periods if you need care soon.
What does dental insurance typically cost?
Individual dental premiums generally range from $20–$60/month depending on the carrier, plan type, and coverage level. Fred can compare options from multiple carriers to find the best fit for your budget.
Ready to Compare Plans?
Call Fred at 763.292.9837 or email [email protected] for a free, no-pressure comparison of dental plans available in your area.
Schedule an Appointment