2027 alertProvidence Medicare Advantage Plans, PacificSource, Regence BlueCross BlueShield of Oregon and 5 other companies end some Medicare Advantage plans in Oregon on December 31. (CMS data) 24 days left in Annual Enrollment (ends Dec. 7).Is your plan ending? →
Questions

Does Medicare cover dental care in Oregon?

Mostly no. Original Medicare doesn't cover routine cleanings, fillings, extractions or dentures; it pays only when dental care is tied to certain covered medical treatment. In Oregon, people with both Medicare and the Oregon Health Plan get OHP dental benefits. Others use a Medicare Advantage plan that offers dental or a separate dental policy.

What Original Medicare covers

Medicare.gov says Original Medicare generally doesn't cover routine cleanings, fillings, tooth extractions, or items like dentures and implants. It may cover dental services in situations like these:

  • Some dental services you get as a hospital inpatient, when you're admitted for a dental procedure because of an underlying medical condition or the procedure's severity.
  • An oral exam and needed dental treatment before a heart valve replacement, or before a bone marrow, organ or kidney transplant.
  • Removing a tooth to treat a mouth infection before cancer treatment such as chemotherapy.
  • Dental or oral exams and treatment to remove an infection before and during dialysis for end-stage renal disease.

In those cases your usual Part A or Part B costs apply. If a dentist isn't sure Medicare will pay, ask before treatment.

OHP dental for Oregonians with Medicare

This is the biggest Oregon difference. OHA says OHP "covers things Medicare does not, such as rides to appointments and dental care." Most OHP members with Medicare have the OHP with Limited Drug benefit: the same services as OHP Plus except drugs Part D covers. OHA lists OHP dental for all members as:

  • Checkups, X-rays, and cleaning with fluoride varnish.
  • Fillings, extractions and stainless steel crowns on back teeth.
  • Full dentures every 10 years and partial dentures every five years.
  • Specialist care and emergency or urgent dental care.

If your CCO covers your dental care, call your CCO to find a dentist. You can find your CCO with OHA's CCO tools; see coordinated care organizations and Medicare and OHP together.

Other dental options in Oregon

OptionWhat it isThings to check
Medicare Advantage planMay offer dental as an extra benefitThe plan's Summary of Benefits or Evidence of Coverage
Individual dental policySeparate insurance that works with any Medicare coveragePremium, waiting periods, yearly maximum, dentist network

Medicare Advantage plans may offer extra benefits such as dental, vision, hearing or fitness. Extra benefits vary by plan and county, may have limits and costs, and not every plan offers them. Check a plan's Summary of Benefits or Evidence of Coverage. CMS data show 61 Medicare Advantage plans open to everyone in Oregon for 2027, but none in Grant, Harney, Lake, Umatilla and Union counties. See your county. You can request a call from a licensed insurance agent, or see plans for your ZIP code.

Sources

More questions in this guide

Part of the guide: Learn Medicare — the Oregon starter guide · All questions

Frequently asked questions

Does Medigap cover dental?

No. Medigap policies help pay costs for services Original Medicare covers. Because Original Medicare doesn't cover routine dental care, Medigap doesn't either.

What dental care does OHP cover for adults with Medicare?

OHA lists checkups, X-rays, cleanings, fillings, extractions, some crowns, and full or partial dentures on a set schedule, plus specialist and urgent care.

How do I find an OHP dentist?

If your CCO covers your dental care, call your CCO. If you're not in a CCO for dental, OHA suggests calling OHP Care Coordination at 800-562-4620 or OHP Client Services at 1-800-273-0557.

Will Medicare pay for an extraction before heart surgery?

Possibly. Medicare.gov says Original Medicare may cover an oral exam and needed dental treatment before a heart valve replacement or certain transplants. Ask the dentist and the surgical team to confirm before treatment.

Licensed insurance agents for Oregon

These independent insurance agents are licensed in Oregon and work with Benefits Life, the publisher of this site. When they enroll you in a plan, the agent and Benefits Life may be paid by the insurance company. Learn more.

Austin Torres

Austin Torres

Accepting new clients

Independent licensed insurance agent in Oregon

Burien, WA · English

Berenice Suarez

Berenice Suarez

Accepting new clients

Independent licensed insurance agent in Oregon

Colorado Springs, CO · English, Spanish

Mark Sims

Mark Sims

5.0 out of 5 stars (1 review on MedicareAgents.com)

Accepting new clients

Independent licensed insurance agent in Oregon

Kent, WA · English

Chiara Lewis

Chiara Lewis

5.0 out of 5 stars (4 reviews on MedicareAgents.com)

Accepting new clients

Independent licensed insurance agent in Oregon

Littleton, CO · English

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Visit an insurance agency office in Oregon

These offices are independently owned by licensed insurance agents and agencies that work with Benefits Life, the publisher of this site. They are not Benefits Life offices. When they enroll you in a plan, the agency and Benefits Life may be paid by the insurance company. If you already have an agent, contact your agent for help with your plan. Learn more.

Advanced Benefits Insurance

7755 N Highway 101, Suite F13, Gleneden Beach, OR 97388

Hours: By appointment only — please call first.

Wheelchair accessible · Free parking · In-home visits available · Video appointments available

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