Best Medicare Advantage plan for dental coverage in Monterey County, California

Why this plan

Of the 5 plans open to everyone here, only Imperial Dynamic Plan (HMO) files a dollar amount for comprehensive dental care: $4,000 a year.

4 plans here file no dollar amount for comprehensive dental care: they may cover only cleanings and exams, or limit care in ways we can't compare in dollars.

What it gives up

Nothing we can measure: its premium and out-of-pocket limit are no higher than most plans' here, and its star rating isn't below average.

Where else it does well

• It charges no monthly premium, where the middle plan here charges $65 a month.
• Its out-of-pocket limit, $295, is among the lowest here; the middle plan's is $4,550.
• It also gives back $15 a month of your Part B premium.

Who it suits

A large dental allowance suits you if you expect more than cleanings: a crown, a root canal, dentures or implants. Original Medicare covers almost none of that. An allowance is a ceiling, not a promise: the plan can still charge a copay or a share of each bill, limit how often it pays for a service, and pay only dentists in its network.

Before you choose

• Check your doctors and hospitals. Most Medicare Advantage plans pay only, or mostly, for care in their own network. Ask the plan, or your doctor's office, before you join.
• Price your prescriptions. What your drugs cost can differ by hundreds of dollars a year between plans and outweigh any premium difference. Add them in our plan list to see your own costs.
• Read the plan's own documents. We take every figure from what the plan filed with Medicare, but its Evidence of Coverage is the final word on what it pays.
• Get free advice if you want it. Your State Health Insurance Assistance Program (SHIP) gives free, unbiased help choosing a plan.

How we picked

The plan with the most money a year towards comprehensive dental care -- fillings, crowns, root canals, dentures -- as the plan filed it with Medicare. Money only dental care can use counts ahead of an allowance shared with other benefits. Plans that charge a set copay for each service instead of paying from an allowance (dental HMOs) aren't ranked by dollars; they're listed separately, by their highest copays for fillings and crowns, root canals and dentures. Where several tie, we look next at the largest Part B giveback, then the lowest premium, then the lowest out-of-pocket limit for in-network care. Plans that still tie are listed by name.

We compare the 5 Medicare Advantage plans with drug coverage that anyone with Medicare in Monterey County can join. Special needs plans and PACE, which are only for people who qualify, aren't included; you'll find them on the Monterey County page. No plan pays to be picked.