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Maintaining a healthy mouth is an integral part of your overall health. It starts with keeping up with your dental visits. With most of our Medicare Advantage plans, you get your preventive dental services covered at a $0 copay PLUS you also get Comprehensive Dental Coverage at 50% coinsurance that will help keep you smiling, including periodontal cleanings, root canals, dentures and more at no additional premium up to the service coverage limit.
Your Dental Benefit Includes:
- Preventive Dental Visit
- Oral Examinations – Once every 6 months
- Routine Cleanings and Fluoride Treatments – Once every 6 months
- Bitewing X-rays – 2x per calendar year
- Full-Mouth X-Rays – 1x in a 36-month period
- Crowns
- Denture (complete or partial) and Denture Repairs
- Endodontic Therapy
- Fillings
- Non-Surgical Root Canal Obstruction Treatment
- Periodontal Cleanings
- Root Repairs
- Scaling
- Tooth Extractions, Fractures and Repairs
- And more
For a complete list of services, refer to your Evidence of Coverage.
How It Works:
Dental services are covered up to your plan’s dental coverage limit. NEW for 2026! Coverage includes In- and out-of-network services when you visit your dentist for covered services, the dentist will directly bill our dental provider, Liberty Dental, making it easier and more convenient for you.
View a full list of dental providers
Out-of-network Services
Please use this form for reimbursement of dental services if you needed to use an out-of-network dental provider for preventive or comprehensive dental services and have a bill and paid receipts. For 2025, this form may only be used for our PPO plans. For 2026, this form may be used for all plans.
Liberty Dental Reimbursement Form
Built-in Coverage amount varies by plan:
2025 Plans |
Coverage |
|---|---|
Independent Health's Encompass 65® Direct HMO |
$2,000 coverage |
Independent Health's Encompass 65® HMO |
$2,000 coverage |
Independent Health's Encompass 65® Core HMO |
$2,000 coverage |
Independent Health's Encompass 65® Basic HMO |
$2,000 coverage |
Independent Health's Encompass 65® Assure Advantage HMO C-SNP |
$2,000 coverage |
Independent Health's Medicare Passport® Access PPO |
$1,000 both in and out of network coverage |
Independent Health's Medicare Passport® Connect PPO |
$1,000 both in and out of network coverage |
For 2025, you must use In Network providers.
NEW for 2026! Coverage includes In- and out-of-network services!
2026 Plans |
Coverage |
|---|---|
Independent Health's Encompass 65® HMO |
$2,000 coverage |
Independent Health's Encompass 65® RED 042 HMO |
$1,500 coverage |
Independent Health's Encompass 65® RED 044 HMO |
$1,500 coverage |
Independent Health's Encompass 65® RED 043 HMO |
$1,500 coverage |
Independent Health's Encompass 65® Assure Advantage HMO C-SNP |
$2,000 coverage |
Independent Health's Medicare Passport® Connect PPO |
$1,500 coverage |
Limitations, cost sharing and restrictions may apply. Benefit and/or copayments/coinsurance may change on January 1 each year. Benefit varies by plan, see your Evidence of Coverage for full information.
Out-of-network/non-contracted providers are under no obligation to treat Independent Health members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
Independent Health is a Medicare Advantage organization with a Medicare contract offering HMO, HMO-SNP, HMO-POS and PPO plans. Enrollment in Independent Health depends on contract renewal. Our Dental provider listing is subject to change each month. Call your dental provider to confirm participation in our network before receiving your dental services.
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Last Updated 10/1/2025