34 Medicare Advantage plans from 5 insurers that include dental benefits for Essex County, NJ in 2027. Compare premiums, yearly dental maximums and what each plan covers.
This list is for Essex County, NJ, where Livingston is located. It includes the plans with dental benefits from Aetna, Clover Health, Devoted Health, Humana and UnitedHealthcare; drug-only plans and plans without dental are left out. Premiums and benefits can differ in other counties.
Annual limits are plan payments, not cash allowances. “Not stated” does not mean unlimited. Plans marked “preventive only” do not cover major dental work such as crowns or root canals.
Plan details checked October 5, 2026.
Insurer All Aetna Clover Health Devoted Health Humana UnitedHealthcare
Sort by Annual dental maximum (high to low) Monthly premium (low to high) OTC benefit (high to low)
Clover Health · H5141-007-0
Clover Health Choice Value (PPO)
Dental annual limit $2,500
Monthly premium $36.30/mo
Dental coverage Preventive + comprehensive
OTC benefit $145 / quarter
Primary care visit / Specialist visit $0 / $2
Prescription drugs Tier 1 $0 · Tier 2 $8
Plan type PPO LiveHealthy Rewards: $400/year
$0/month with PAAD or LIS (Extra Help)
Clover Health → Devoted Health · H1390-003-0
Devoted C-SNP Choice Plus 003 NJ (PPO C-SNP)
Dental annual limit $2,500
Monthly premium $0/mo
Dental coverage Preventive + comprehensive
OTC benefit $45 / quarter
Primary care visit / Specialist visit $0 / 30%
Prescription drugs Starting at $0
Plan type PPO $0 for covered in-network services until you reach your yearly limit.
Food & Home Card: $353/month
Eligibility: diabetes or a qualifying heart/vascular condition required
Devoted Health → Devoted Health · H1390-006-0
Devoted Choice Giveback Extras 006 NJ (PPO)
Dental annual limit $2,000
Monthly premium $0/mo
Dental coverage Preventive + comprehensive
OTC benefit $95 / quarter
Primary care visit / Specialist visit $0 / $55
Prescription drugs Starting at $0
Part B giveback $70/mo
Plan type PPO Pay at your visit, then submit for reimbursement (we can help as a courtesy).
Devoted Health → UnitedHealthcare · NJ-MA01
AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS)
Dental annual limit $2,000
Monthly premium $0/mo
Dental coverage Preventive + comprehensive
OTC benefit $60 / quarter
Primary care visit / Specialist visit $0 / $60
Prescription drugs Not included (medical coverage only)
Part B giveback up to $150/mo
Plan type HMO-POS UnitedHealthcare → Aetna · H3152-045
Aetna Medicare Eagle Giveback (HMO)
Dental annual limit $2,000
Monthly premium $0/mo
Dental coverage Preventive + comprehensive
OTC benefit $70 / quarter
Primary care visit / Specialist visit $0 / $40
Prescription drugs Not included (medical coverage only)
Part B giveback $100/mo
Plan type HMO Aetna → Clover Health · Plan 003
Clover Health Value HMO (003)
Dental annual limit $2,000
Monthly premium $36.30/mo
Dental coverage Preventive + comprehensive
OTC benefit $150 / quarter
Primary care visit / Specialist visit $0 / $0
Prescription drugs Tier 1 $0 · Tier 2 $0
Plan type HMO LiveHealthy Rewards: $400/year
$0/month with PAAD or LIS (Extra Help)
Clover Health → Devoted Health · H1390-004-0
Devoted C-SNP Choice Enhanced 004 NJ (PPO C-SNP)
Dental annual limit $2,000
Monthly premium $0/mo
Dental coverage Preventive + comprehensive
OTC benefit $50 / quarter
Primary care visit / Specialist visit $0 / $55
Prescription drugs Starting at $0
Plan type PPO $0 for covered in-network services until you reach your yearly limit.
Food & Home Card: $142/month
Eligibility: diabetes or a qualifying heart/vascular condition required
Devoted Health → Devoted Health · H1390-005-0
Devoted C-SNP Choice Giveback Extras 005 NJ (PPO C-SNP)
Dental annual limit $2,000
Monthly premium $0/mo
Dental coverage Preventive + comprehensive
OTC benefit $100 / quarter
Primary care visit / Specialist visit $0 / $55
Prescription drugs Starting at $0
Part B giveback $83.50/mo
Plan type PPO Pay at your visit, then submit for reimbursement (we can help as a courtesy).
Eligibility: diabetes or a qualifying heart/vascular condition required
Devoted Health → Devoted Health · H1390-001-0
Devoted Choice 001 NJ (PPO)
Dental annual limit $1,750
Monthly premium $0/mo
Dental coverage Preventive + comprehensive
OTC benefit None
Primary care visit / Specialist visit $0 / $50
Prescription drugs Starting at $0
Plan type PPO Pay at your visit, then submit for reimbursement (we can help as a courtesy).
Devoted Health → Clover Health · H5141-004-0
Clover Health Choice (PPO)
Dental annual limit $1,500
Monthly premium $0/mo
Dental coverage Preventive + comprehensive
OTC benefit $75 / quarter
Primary care visit / Specialist visit $0 / $15
Prescription drugs Tier 1 $0 · Tier 2 $10
Plan type PPO LiveHealthy Rewards: $400/year
Clover Health → Clover Health · H5141-061-0
Clover Health Valor (PPO)
Dental annual limit $1,500
Monthly premium $0/mo
Dental coverage Preventive + comprehensive
OTC benefit $80 / quarter
Primary care visit / Specialist visit $0 / $30
Prescription drugs Not included (medical coverage only)
Part B giveback $125/mo
Plan type PPO LiveHealthy Rewards: $400/year
Clover Health → Humana · H6622-100-002
Humana Gold Plus (HMO)
Dental annual limit $1,500
Monthly premium $0/mo
Dental coverage Preventive + comprehensive
OTC benefit None
Primary care visit / Specialist visit $0 / $45
Prescription drugs Included
Plan type HMO Humana → Humana · H5216-174-0
Humana USAA Honor Giveback (PPO)
Dental annual limit $1,500
Monthly premium $0/mo
Dental coverage Preventive + comprehensive
OTC benefit None
Primary care visit / Specialist visit $0 / $35
Prescription drugs Included
Part B giveback up to $105/mo
Plan type PPO Humana → Aetna · H5521-504-0
Aetna Medicare Eagle Giveback (PPO)
Dental annual limit $1,500
Monthly premium $0/mo
Dental coverage Preventive + comprehensive
OTC benefit $70 / quarter
Primary care visit / Specialist visit $0 / $45
Prescription drugs Not included (medical coverage only)
Part B giveback $90/mo
Plan type PPO Aetna → Clover Health · Plan 002
Clover Health Classic HMO (002)
Dental annual limit $1,250
Monthly premium $0/mo
Dental coverage Preventive + comprehensive
OTC benefit $65 / quarter
Primary care visit / Specialist visit $0 / $10
Prescription drugs Tier 1 $0 · Tier 2 $0
Plan type HMO LiveHealthy Rewards: $400/year
Clover Health → UnitedHealthcare · NJ-7
AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS)
Dental annual limit $1,250
Monthly premium $0/mo
Dental coverage Preventive + comprehensive
OTC benefit $30 / quarter
Primary care visit / Specialist visit $0 / $65
Prescription drugs Included
Plan type HMO-POS UnitedHealthcare → Humana · H5216-319-0
HumanaChoice Giveback H5216-319 (PPO)
Dental annual limit $1,250
Monthly premium $0/mo
Dental coverage Preventive + comprehensive
OTC benefit None
Primary care visit / Specialist visit $0 / $45
Prescription drugs Included
Part B giveback up to $106/mo
Plan type PPO Humana → Humana · H7617-045-0
HumanaChoice Giveback H7617-045 (PPO)
Dental annual limit $1,250
Monthly premium $0/mo
Dental coverage Preventive + comprehensive
OTC benefit None
Primary care visit / Specialist visit $0 / $45
Prescription drugs Included
Part B giveback up to $108/mo
Plan type PPO Humana → Humana · H7617-127-0
HumanaChoice Giveback H7617-127 (PPO)
Dental annual limit $1,000
Monthly premium $0/mo
Dental coverage Preventive + comprehensive
OTC benefit None
Primary care visit / Specialist visit $0 / $45
Prescription drugs Included
Part B giveback up to $26/mo
Plan type PPO Humana → UnitedHealthcare · H8768-035-0
AARP Medicare Advantage from UHC NJ-0005 (PPO)
Dental annual limit $1,000
Monthly premium $79/mo
Dental coverage Preventive + comprehensive
OTC benefit $30 / quarter
Primary care visit / Specialist visit $0 / $50
Prescription drugs Included
Plan type PPO UnitedHealthcare → Aetna · H5521-037-0
Aetna Medicare Enhanced Extra (PPO)
Dental annual limit $750
Monthly premium $99/mo
Dental coverage Preventive + comprehensive
OTC benefit None
Primary care visit / Specialist visit $0 / $50
Prescription drugs Included
Plan type PPO Aetna → Clover Health · H5141-054-0
Clover Health Choice Giveback (PPO)
Dental annual limit $500
Monthly premium $0/mo
Dental coverage Preventive + comprehensive
OTC benefit $25 / quarter
Primary care visit / Specialist visit $0 / $50
Prescription drugs Tier 1 $0 · Tier 2 $0
Part B giveback $140/mo
Plan type PPO LiveHealthy Rewards: $400/year
Clover Health → Devoted Health · H1390-002-0
Devoted Choice Giveback 002 NJ (PPO)
Dental annual limit $250
Monthly premium $0/mo
Dental coverage Preventive + comprehensive
OTC benefit None
Primary care visit / Specialist visit $0 / $55
Prescription drugs Starting at $0
Part B giveback $118/mo
Plan type PPO Pay at your visit, then submit for reimbursement (we can help as a courtesy).
Devoted Health → UnitedHealthcare · NJ-1
AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS)
Dental annual limit Not stated
Monthly premium $0/mo
Dental coverage Preventive only
OTC benefit None
Primary care visit / Specialist visit $0 / $55
Prescription drugs Included
Plan type HMO-POS UnitedHealthcare → Aetna · H3152-098
Aetna Medicare Elite (HMO)
Dental annual limit Not stated
Monthly premium $25/mo
Dental coverage Preventive only
OTC benefit None
Primary care visit / Specialist visit $0 / $45
Prescription drugs Included
Plan type HMO Optional comprehensive-dental rider: +$27/month for a $1,500 yearly allowance (50% coinsurance).
Aetna → Humana · H5216-461-0
HumanaChoice H5216-461 (PPO)
Dental annual limit Not stated
Monthly premium $36.30/mo
Dental coverage Routine + limited periodontal care
OTC benefit None
Primary care visit / Specialist visit $0 / $35
Prescription drugs Included
Plan type PPO Humana → UnitedHealthcare · H8768-022-0
AARP Medicare Advantage from UHC NJ-0004 (PPO)
Dental annual limit Not stated
Monthly premium $69/mo
Dental coverage Preventive only
OTC benefit $25 / quarter
Primary care visit / Specialist visit $0 / $60
Prescription drugs Included
Plan type PPO UnitedHealthcare → UnitedHealthcare · NJ-0002
AARP Medicare Advantage from UHC NJ-0002 (HMO-POS)
Dental annual limit Not stated
Monthly premium $79/mo
Dental coverage Preventive only
OTC benefit None
Primary care visit / Specialist visit $0 / $35
Prescription drugs Included
Plan type HMO-POS UnitedHealthcare → Aetna · H3152-048
Aetna Medicare Signature (HMO)
Dental annual limit Not stated
Monthly premium $109/mo
Dental coverage Preventive only
OTC benefit None
Primary care visit / Specialist visit $0 / $45
Prescription drugs Included
Plan type HMO Optional comprehensive-dental rider: +$27/month for a $1,500 yearly allowance (50% coinsurance).
Aetna → UnitedHealthcare · NJ-0003
AARP Medicare Advantage from UHC NJ-0003 (HMO-POS)
Dental annual limit Not stated
Monthly premium $115/mo
Dental coverage Preventive only
OTC benefit None
Primary care visit / Specialist visit $0 / $30
Prescription drugs Included
Plan type HMO-POS UnitedHealthcare → Aetna · R6694-006
Aetna Medicare Enhanced (Regional PPO)
Dental annual limit Not stated
Monthly premium $149/mo
Dental coverage Preventive only
OTC benefit None
Primary care visit / Specialist visit $0 / $50
Prescription drugs Included
Plan type PPO Optional comprehensive-dental rider: +$27/month for a $1,000 yearly allowance (50% coinsurance).
Aetna → UnitedHealthcare · NJ-8
UHC Complete Care NJ-8 (HMO-POS C-SNP)
Dental annual limit Not stated
Monthly premium $0/mo
Dental coverage Preventive only
OTC benefit None
Primary care visit / Specialist visit $0 / $50
Prescription drugs Included
Plan type HMO-POS $40/month credit for OTC and food
Eligibility: chronic condition required
UnitedHealthcare → Humana · H6622-098
Humana Gold Plus - Diabetes and Heart (HMO C-SNP)
Dental annual limit Not stated
Monthly premium $0/mo
Dental coverage Routine exam
OTC benefit None
Primary care visit / Specialist visit $0 / $25
Prescription drugs Included
Plan type HMO Eligibility: diabetes or heart condition required
Humana → UnitedHealthcare · H0710-026-0
UHC Nursing Home Plan EX-F003 (PPO I-SNP)
Dental annual limit Not stated
Monthly premium $18.10/mo
Dental coverage Preventive only
OTC benefit $250 / quarter
Primary care visit / Specialist visit 20% / $0–20%
Prescription drugs Included
Plan type PPO Eligibility: nursing home level of care required
UnitedHealthcare → Each page explains how to use your dental benefit at our office.
Using these plans at ProCare Dental Participation and benefits depend on your exact plan and our network status with that plan. Call us or request an appointment and we'll confirm your coverage and explain your costs before treatment.
Devoted Health's dental benefit works with any licensed dentist and is the same in or out of network. On most plans it works as a pay-first reimbursement allowance — you pay at your visit, then submit for reimbursement, and as a courtesy we can help with that paperwork.
Important notice. The appearance of an insurance company's name or logo does not mean that every plan issued by that company is accepted or in-network. Please contact our office and your insurance company to confirm participation for your specific plan and scheduled provider.
This page is informational, not enrollment or insurance advice, and ProCare Dental is not affiliated with or a representative of the insurers named. Medicare Advantage plans change every year — before you enroll, review your plan's Evidence of Coverage and confirm details with the insurer.
