Dental care can become difficult to afford after retirement, especially when routine cleanings, fillings, extractions, dentures, or other treatment are not fully covered by insurance. Seniors with limited income may have several options for reducing dental costs.
Other options can include Medicaid, community health centers, dental schools, nonprofit programs, and local organizations that offer free or reduced-cost care.
Who May Qualify for Dental Assistance
Eligibility depends on the program. Seniors may have more options if they:
- Have limited income or resources
- Are enrolled in Medicaid
- Have Medicare and Medicaid
- Need medically necessary dental treatment
- Have a qualifying disability or health condition
- Live in an area served by a community health center
- Need nursing-home-level care and qualify for PACE
- Meet the requirements of a local nonprofit or dental assistance program
Medicaid adult dental coverage varies by state because states determine what dental benefits they provide to adult Medicaid beneficiaries.
Check What You May Qualify For
Checking potential eligibility is free. OpenGrants Network can help you explore assistance programs that may fit your circumstances.
- ✓ Free eligibility check
- ✓ Free guidance if needed
Programs vary based on income, age, location, insurance coverage, and medical needs.
Types of Dental Assistance for Seniors
Medicaid Dental Benefits
Some seniors with limited income may qualify for Medicaid in addition to Medicare. Adult dental benefits are different from state to state, so coverage may include some dental services in one state but not another.
Medicare Advantage Dental Benefits
Original Medicare generally does not cover routine dental care, but many Medicare Advantage plans offer additional benefits that Original Medicare does not provide, including some dental services. Coverage, providers, premiums, and out-of-pocket costs vary by plan.
Community Health Centers
HRSA-supported health centers provide medical and dental care to people with or without insurance. Fees are adjusted based on income and family size, which can make these centers an option for seniors who cannot afford regular dental prices.
PACE Programs
The Program of All-Inclusive Care for the Elderly, or PACE, serves certain adults age 55 and older who need nursing-home-level care but can live safely in the community. Dental care can be included among PACE services. Availability is limited to participating service areas.
Dental Schools and Reduced-Cost Clinics
Dental schools and community clinics may offer treatment at reduced prices through supervised student clinics or community programs. Availability and eligibility vary by location.
Local Senior Assistance
Area agencies on aging, local health departments, community organizations, and other senior-service providers may know about dental clinics, transportation assistance, or other affordable-care resources available locally. HRSA specifically recommends checking local agencies on aging for information about free or low-cost dental care.
How Dental Assistance Programs Typically Work
- Identify the dental service you need. This could include a cleaning, filling, extraction, dentures, emergency treatment, or another service.
- Check your existing coverage. Review Medicare, Medicaid, Medicare Advantage, or other dental insurance.
- Look for reduced-cost providers. Community health centers and other clinics may use income-based fees.
- Check eligibility. Some programs consider income, age, medical needs, location, or insurance status.
- Ask about payment options. A dental provider may offer payment plans or reduced-cost arrangements.
- Compare available options. Costs and coverage can vary significantly between providers and programs.