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ProCare Dental

Medicare Advantage · 2027

Medicare Advantage plans 2027

6 Clover Health PPO and HMO Medicare Advantage plans 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. For now it includes Clover Health's PPO and HMO plans only; other insurers' Essex County plans aren't listed here yet — call us and we'll be glad to help.

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 4, 2026.

Top picks: the best plan from each insurer

Best of Clover Health

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
Rx drugs (Tier 1 / Tier 2)
$0 / $8
LiveHealthy Rewards
$400 / year

$0/month with PAAD or LIS (Extra Help)

Clover Health →

All Medicare Advantage plans with dental

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
Rx drugs (Tier 1 / Tier 2)
$0 / $8
LiveHealthy Rewards
$400 / year

$0/month with PAAD or LIS (Extra Help)

Clover Health →

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
Rx drugs (Tier 1 / Tier 2)
$0 / $0
LiveHealthy Rewards
$400 / year

$0/month with PAAD or LIS (Extra Help)

Clover 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
Rx drugs (Tier 1 / Tier 2)
$0 / $10
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
Rx drugs (Tier 1 / Tier 2)
Not included (medical coverage only)
Part B giveback
$125/mo
LiveHealthy Rewards
$400 / year
Clover Health →

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
Rx drugs (Tier 1 / Tier 2)
$0 / $0
LiveHealthy Rewards
$400 / year
Clover Health →

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
Rx drugs (Tier 1 / Tier 2)
$0 / $0
Part B giveback
$140/mo
LiveHealthy Rewards
$400 / year
Clover Health →

Medicare Advantage insurers we accept

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.