For 2027 there are 101 Medicare Advantage plans available in Miami-Dade, according to public data from the Centers for Medicare & Medicaid Services (CMS). Almost all include some dental: 97% cover preventive care (exams, X-rays, cleanings) and 95% add broader dental coverage. But what each plan covers varies a lot. Implants, for example, appear in only 37 out of 100 plans.
We analyzed the official files so you can ask the right questions during annual enrollment, which runs October 15 to December 7, 2026.
We used two public CMS files for 2027: the plan benefit package file (PBP 2027) and the county landscape file (Landscape 2027). We matched them to keep the 101 Medicare Advantage plans offered in Miami-Dade, including special needs plans.
We counted plans, not people: a plan with many members counts the same as one with few. We do not name insurers or plans. This is a market summary, not a recommendation.
| Dental service | Plans that include it |
|---|---|
| Preventive: exams, X-rays and cleanings | 97% |
| Fillings and crowns (restorative services) | 87% |
| Extractions and oral surgery | 87% |
| Gum treatment (periodontics) | 85% |
| Removable dentures | 84% |
| Root canal treatment | 74% |
| Fixed bridges | 54% |
| Implants | 37% |
Source: PureSmile Miami analysis of CMS public PBP and Landscape 2027 files (101 Medicare Advantage plans in Miami-Dade, October 2026). "Included" does not mean covered in full: there may be copays, coinsurance, frequency limits or prior authorization.
In 82 of the 101 plans, the preventive benefit includes two cleanings a year. A few offer more.
Many plans cap what they pay for dental each year. In Miami-Dade, 66 of the 101 plans list that cap in the CMS data:
The other 30 plans do not list a dollar cap. That doesn't mean there are no limits: they often work with a dentist network and a list of copays per service. Read the details.
Plans for people with both Medicare and Medicaid (D-SNPs) include the most dental services in Miami-Dade: 97% cover removable dentures and 91% cover root canals. Only people who meet each plan's requirements can enroll.
For unbiased, no-cost help comparing plans, use the Medicare Plan Finder, call 1-800-MEDICARE, or call Florida's SHINE program (1-800-963-5337), which offers Medicare counseling at no cost. More options at shiphelp.org. Original Medicare generally does not cover routine dental care (Medicare.gov).
PureSmile Miami opens November 2, 2026 at 8000 SW 117th Ave, Suite 100, in Kendall. We see patients with Medicare Advantage plans. Before your visit, we verify your plan for free and explain, in English or Spanish, what it covers and what it doesn't. After your checkup, you get a written treatment plan before we start.
Join the waitlist or call us at (305) 787-3642.
According to CMS public files, 101 Medicare Advantage plans are available in Miami-Dade for 2027, including special needs plans.
Some do: 37 out of 100 plans include implants in 2027. Removable dentures appear in 84 out of 100. Check each plan's limits and coinsurance.
Among Miami-Dade plans that list an annual cap, half have about $3,500 or more. It varies a lot between plans, and 30 plans don't list a dollar cap.
During annual enrollment, October 15 to December 7. The new plan starts January 1, 2027.
Generally, it doesn't cover routine dental care such as cleanings, fillings or dentures. That coverage usually comes from Medicare Advantage plans or a separate dental plan.
General information; not insurance advice or a plan recommendation. PureSmile Miami is not affiliated with or endorsed by Medicare or CMS. Coverage depends on each plan; check your plan's official documents. Sources: CMS PBP 2027 and Landscape 2027 files (our analysis, October 2026); Medicare.gov. Yoan Suárez Zayas, DMD · FL Lic. DN 21413.
