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As you explore your Medicare options, you may come across a common question:
Does Medigap cover dental and vision care?
Understanding what’s included—and what’s not—can help you make confident choices about your health coverage in your senior years. In this guide, we’ll walk you through what Medigap (also known as Medicare Supplement Insurance) covers, where it falls short, and what your options are for dental and vision care.
Popular Medigap Plans: Plan F vs. Plan G vs. Plan N vs. Plan C
Plan G is the most popular Medicare Supplement plan. Medigap Plan C, Plan F and Plan N are the next most popular Medicare Supplement Insurance plans.
No, Medigap plans do not cover routine dental or vision care.
This means Medigap generally does not cover:
Dental cleanings, fillings, or dentures
Eye exams, eyeglasses, or contact lenses
Hearing aids (also commonly asked about)
Medigap is designed to complement Original Medicare, and since Medicare itself doesn’t cover routine dental or vision, neither does Medigap.
However, Medigap may help with some medical procedures involving your eyes, teeth, or mouth if they are covered by Original Medicare (such as cataract surgery or jaw reconstruction after an injury).
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The table below will help you compare the different coverage options of the available Medigap plans.
As we age, routine dental and vision care become increasingly important for overall health. Gum disease has been linked to heart problems, and eye exams can detect serious issues like glaucoma or macular degeneration early.
That’s why many people supplement their Medicare + Medigap coverage with standalone dental and vision insurance plans or take advantage of other options.
If you’re currently enrolled in or planning to enroll in a Medigap plan, here are some ways to get the dental and vision coverage you may need:
You can buy separate insurance plans for dental and/or vision care from private insurers. These plans often include:
Cleanings, X-rays, and exams
Fillings, root canals, and extractions
Vision exams, glasses, and contact lenses
Many companies offer bundled dental and vision plans at affordable monthly rates.
Instead of insurance, these are membership-based programs that offer discounted services with participating providers. They can be a lower-cost alternative but don’t function like traditional insurance.
Some people consider switching to a Medicare Advantage plan, which usually includes additional benefits like dental, vision, and hearing. However, this is a replacement for Original Medicare and not something you can have alongside a Medigap plan.
It's important to know that you can’t have both Medigap and Medicare Advantage at the same time. If dental and vision coverage are a top priority for you and you're open to changing how you receive your Medicare benefits, exploring Medicare Advantage plans may be worth considering.
But if you prefer the flexibility and nationwide coverage of Original Medicare + Medigap, then adding a standalone dental/vision plan is usually the best route.
When choosing your Medicare coverage, it’s not just about what’s included—it’s about what matters most to you.
If you travel frequently or want predictable costs, Medigap might be ideal.
If you want an all-in-one plan with extras like dental and vision, Medicare Advantage may make sense.
If you’re sticking with Medigap, don’t forget to explore affordable add-on options for dental and vision.
Your health needs are unique—and the good news is, there are solutions out there to fit your lifestyle and budget. Taking the time now to understand your choices can give you peace of mind for years to come.
Christian Worstell is a licensed insurance agent and a Senior Staff Writer for MedicareSupplement.com. He is passionate about helping people navigate the complexities of Medicare and understand their coverage options.
His work has been featured in outlets such as Vox, MSN, and The Washington Post, and he is a frequent contributor to health care and finance blogs.
Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. He currently lives in Raleigh, NC.
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