What financial aspect might not be covered by Medicare Advantage plans?

Medicare Advantage plans, also known as Part C, are an alternative way for beneficiaries to receive their Medicare benefits, which typically include coverage for hospital and medical services. However, certain services might not be included in these plans, particularly routine dental services.

Routine dental care, such as cleanings, fillings, crowns, and extractions, is not covered by traditional Medicare (Parts A and B) and is often not included in Medicare Advantage plans unless specifically offered as an additional benefit by the plan. While some Medicare Advantage plans may provide limited dental coverage as an extra benefit, it is not universally guaranteed, making routine dental services a financial aspect that might not be covered depending on the specific plan.

In contrast, annual out-of-pocket maximums, cost-sharing for services, and prescription drugs are typically components of Medicare Advantage plans. These plans often set a cap on out-of-pocket expenses for covered services, share responsibility for costs between the insurer and the insured through co-pays or coinsurance, and frequently include prescription drug coverage, further demonstrating why routine dental services are distinctly less likely to be covered.