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UCare Medicare dental coverage

All UCare Medicare Advantage plans provide dental coverage, and some give you the flexibility to purchase optional dental insurance coverage.

Medicare dental insurance benefits

Do Medicare plans cover dental? To get dental coverage or an allowance you can use on dental services, choose a UCare Medicare Advantage plan. With Original Medicare or a UCare Medicare Supplement Plan, dental coverage is not included, although these plans may cover certain emergency dental procedures in some cases.

Find a dentist

Covered dental services

What dental services are usually covered by Medicare Advantage plans? Dental benefits vary by plan and coverage level, but may include:

  • Routine services: Many plans cover preventive care such as 1 – 2 oral exams per year and may include routine cleanings, X-rays and fluoride treatments
  • Basic restorative services: This includes fillings, root canals and periodontal (gum) services
  • Major restorative procedures: These include crowns, bridges, dentures and implants

UCare Medicare dental coverage

How does UCare cover dental services? Many UCare Medicare Advantage plans offer dental coverage for routine dental care such as annual cleanings and X-rays. Some UCare plans include (or have the option to purchase) additional coverage for restorative dental care such as fillings and dentures. Other UCare plans offer an allowance that can be used for eligible dental services.

We know you want ease and flexibility when navigating your health insurance. That’s why if you’re enrolled in a UCare Medicare Advantage plan, you will automatically have access to dental coverage with no extra fees or sign-up requirements. However, if your plan includes routine coverage only and you want to add additional restorative coverage, you will need to take action to enroll and pay the additional premium for this coverage.

View 2024 UCare dental overview (PDF)

View 2025 UCare dental overview (PDF)

Dental coverage details by plan

Your UCare Medicare Advantage plan includes dental coverage. At a minimum, all plans cover routine dental services or provide an allowance for these services. Find your plan below to see coverage details or view the UCare dental coverage overview (PDF).

UCare Aware

Dental coverage 
What’s covered $600 annual dental allowance
Monthly premium $0
Annual deductible $0
Annual plan maximum $600 allowance

UCare Value

Dental coverage 
What’s covered Routine and restorative dental coverage at no additional cost
Monthly premium $0
Annual deductible $75
Annual plan maximum $2,000

Note: Deductible does not apply to routine services or periodontal maintenance cleanings.

UCare Complete

Dental coverage 
What’s covered Routine and restorative dental coverage at no additional cost
Monthly premium $0
Annual deductible $100
Annual plan maximum $2,000

Note: Deductible does not apply to routine services or periodontal maintenance cleanings.

UCare Essentials Rx, Standard and Value Plus

Dental coverage 
What’s covered Routine dental coverage with optional coverage available
Monthly premium $0 for routine services only; $29 per month to add Choice Dental for restorative services
Annual deductible $75
Annual plan maximum $2,000

Note: Deductible does not apply to routine services or periodontal maintenance cleanings.

UCare Classic

Dental coverage 
What’s covered Routine dental coverage with optional coverage available
Monthly premium $0 for routine services only; $29 per month to add Classic Choice Dental for restorative services
Annual deductible $50
Annual plan maximum $2,500

Note: Deductible does not apply to routine services or periodontal maintenance cleanings.

UCare Your Choice

Dental coverage 
What’s covered $1,200 flexible benefit allowance
Monthly premium $0
Annual deductible $0
Annual plan maximum $1,200 annual flexible benefit allowance to use on one or a combination of eligible dental, hearing aids and prescription eyewear

UCare Your Choice Plus

Dental coverage 
What’s covered $1,600 annual flexible benefit allowance
Monthly premium $0
Annual deductible $0
Annual plan maximum $1,600 annual flexible benefit allowance to use on one or a combination of eligible dental, hearing aids and prescription eyewear

  Additional restorative dental coverage

Restorative services like fillings, root canals and crowns aren’t covered by all UCare Medicare Advantage dental plans. UCare Classic, UCare Essentials Rx, UCare Standard and UCare Value Plus members have the option to add additional coverage for restorative care. For the most comprehensive coverage, add Choice Dental or Classic Choice Dental to your eligible Medicare plan for an additional $29 per month.

Add restorative coverage

Below is an overview of what's covered.

For additional details, view the UCare dental coverage overview (PDF).

Choice Dental

This plan offers restorative dental coverage and more routine benefits, like an extra exam and cleaning each year. Choice Dental is only available to UCare Essentials Rx, UCare Standard and UCare Value Plus members.

Dental coverage 
Monthly premium $29
Annual deductible $75
Annual plan maximum $2,000
Basic restorative services (e.g., fillings, root canals and periodontal services) You pay 30% coinsurance
Major restorative procedures (e.g., crowns, bridges, dentures and implants)
Members must be enrolled in plan for 24 consecutive months before coverage applies.
You pay 60% coinsurance

Classic Choice Dental

This plan offers restorative coverage including basic and major restorative dental services. Classic Choice Dental is only available to UCare Classic members.

Dental coverage 
Monthly premium $29
Annual deductible $50
Annual plan maximum $2,500
Basic restorative services (e.g., fillings, root canals and periodontal services) You pay 20% coinsurance
Major restorative procedures (e.g., crowns, bridges, dentures and implants)
Members must be enrolled in plan for 24 consecutive months before coverage applies.
You pay 50% coinsurance
 

What are Medicare dental allowances?

A dental allowance is money you can use to pay for eligible routine and restorative dental services covered by your plan.

UCare Medicare Advantage plans with allowances

UCare Your Choice Plans

UCare Your Choice and UCare Your Choice Plus plans offer flexible spending allowances that you can use on eligible dental services, hearing aids and prescription eyewear.

How to use your allowance

Your Healthy Benefits+ Visa® card comes pre-loaded with your combined flexible benefit allowance. UCare Your Choice Plans do not have a dental network. You can receive care from any licensed dentist.

UCare Aware

UCare Aware offers a dental allowance that you can use on services like exams and cleanings. Make your allowance dollars go further by visiting in-network dentists, where your care will be discounted.

How to use your allowance

If your dental provider is unable to submit the claim on your behalf, you can submit the claim yourself to:

DentaQuest
P.O. Box 2906
Milwaukee, WI 53201-2906