Dental Grants in Vermont

Free and Low-Cost Dental Care for Vermont Seniors: Complete 2026 Guide

Last updated: January 22, 2026

| Medical Review: Content verified against current Vermont Medicaid policies and federal poverty guidelines

If You Need Emergency Help

If you’re having a dental emergency right now:

Immediate Emergency Resources

1. Hospital Emergency Rooms

• When to Go: Severe facial swelling, difficulty swallowing, fever with tooth pain
• What They Do: Hospitals must provide emergency stabilization and pain management under federal law, but cannot perform dental procedures
• Cost: Expensive, but required to provide emergency assessment and pain control

2. Vermont 211

• Phone: 2-1-1
• Services: Information on all community-based health and other services
• Available: 24/7 information and referral services

3. Vermont’s Free & Referral Clinics

• Phone: Check vtfreeclinics.org for local clinic contact numbers
• Services: Eight free healthcare clinics across Vermont providing emergency dental care
• Cost: Completely free – no insurance, no sliding fee scale, no payment required

Emergency Documentation Checklist

• Required ID: Photo identification (driver’s license or state ID)
• Income Proof: Social Security statement, bank statements from last 3 months
• Medical Info: Current medications list, insurance cards if available

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Key Takeaways

Bottom Line: Vermont provides excellent Medicaid dental coverage and has a strong network of free clinics. Seniors have multiple verified options for affordable care, making it one of the better states for dental access.

What You Need to Know Right Now:

• Excellent News: Vermont Medicaid covers adult dental services up to $1,500 annually with 50% increased reimbursement rates as of July 2023
• Free Options Available: 11 FQHCs operate 17 dental care sites plus 8 free clinics statewide
• Emergency Coverage: Vermont Medicaid covers emergency dental services even after the $1,500 cap is reached
• Documentation Required: Photo ID, income verification, and residency proof needed for most programs

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Understanding Vermont’s Dental Care Situation for Seniors

The Healthcare Landscape

Vermont has made significant improvements to its healthcare system. Vermont has 11 FQHCs operating 60+ primary care and 17 dental care sites throughout the state, plus more than 350 individual and group dental practices. The state also maintains 8 free clinics providing completely free dental care.

Recent Improvements (2023)

Vermont made major improvements to its dental benefits effective July 1, 2023:

• Reimbursement rates increased to 75% of commercial rates (approximately 50% increase)
• Adult annual cap increased to $1,500
• Emergency dental services now covered even after annual cap is reached

Health Connections: Why Dental Care Matters for Seniors

Poor oral health increases risk of serious conditions common in seniors:

• Heart Disease: Gum disease bacteria can enter bloodstream, contributing to cardiovascular problems
• Diabetes Complications: People with diabetes are at greater risk for dental disease, and dental disease makes blood sugar harder to control
• Pneumonia: Bacteria from infected teeth and gums can be aspirated into lungs
• Malnutrition: Tooth loss leads to difficulty eating nutritious foods

Source: Vermont Department of Health Oral Health

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Verified Free and Low-Cost Programs for Vermont Seniors

1. Vermont Medicaid (MABD) Dental Coverage

Current Status (Verified January 2026):

Vermont Medicaid (Green Mountain Care) covers dental services for adults with an annual cap of $1,500 per calendar year.

• Emergency dental services are covered beyond the $1,500 cap.
• Preventive visits (cleanings, exams, X-rays) do not count toward the annual maximum.

Services Covered:

• Preventive care: 2 visits annually (Exempt from $1,500 cap).
• Basic restorative services: Fillings, extractions, root canals.
• Emergency dental services: Covered even after the cap is reached (includes treatment for pain, infection, or bleeding).
• Dentures: Covered when medically necessary (prior authorization required).
• Note: Limited to specific treatment frequencies (eg, 12 treatments per year limit unless authorized).

Income Requirements (2026):

Note: The limits below reflect the “Institutional / Home & Community Based Services (Waiver)” standards, which are the higher income thresholds often used for seniors requiring long-term care assistance.

Source: Vermont Medicaid Eligibility Standards (Effective Jan 1, 2026 – Dec 31, 2026). Limits based on 300% of the Federal Benefit Rate.

Required Documentation:

• Social Security Number
• Proof of Income (2026 Social Security award letter, pension statements, pay stubs)
• Proof of Vermont Residency
• Medical records (if applying for disability-based Medicaid under age 65)

Contact:

• Phone: 1-800-250-8427 (Green Mountain Care Member Services)
• Website: dvha.vermont.gov/members/medicaid
• Application: Vermont Health Connect

2. Federally Qualified Health Centers (FQHCs)

Why Consider FQHCs:

• 11 FQHCs operate 17 dental care sites throughout Vermont
• All FQHCs accept Medicaid insurance and offer sliding scale fees
• Required to serve all patients regardless of insurance status or ability to pay

Major FQHC Networks:

Community Health Centers of Burlington (CHCB)

• Locations: Burlington, South Burlington, South Hero, Winooski, Essex
• Phone: (802) 864-6309
• Website: chcb.org
• Services: Culturally diverse patient population with interpreters for 50+ languages

Northern Counties Health Care (NCHC)

• Locations: Concord, Danville, Hardwick, Island Pond, St. Johnsbury
• Phone: (800) 499-9405
• Website: nchcvt.org
• Services: First FQHC in Vermont, offers three dental practices

Community Health Centers of the Rutland Region

• Locations: Brandon, Castleton, Rutland, Shoreham, West Pawlet
• Phone: (802) 855-2083
• Website: chcrr.org
• Services: Largest FQHC in Vermont serving approximately 1 in 4 Vermonters

3. Vermont’s Free & Referral Clinics

Why Consider Free Clinics:

• 8 free healthcare clinics across Vermont
• All services completely free – no insurance, no sliding fee scale, no payment required
• Served 13,215 patients in 2024, leading to $5 million in avoided ER charges

Services Available:

• Free medical and dental care
• Access to free medications
• Case management
• Health insurance navigation
• Social services referrals

Contact:

• Website: vtfreeclinics.org
• Services: Call individual clinics for specific dental services and hours

4. Veterans Affairs (VA) Dental Benefits

Eligibility Classes for Vermont Veterans:

VA Dental Insurance Program (VADIP):

• Available to Veterans enrolled in VA health care
• Discounted dental insurance through Delta Dental or MetLife
• Enhanced Plan starts at approximately $15 per month for basic coverage
• 100% coverage for in-network cleanings, exams, and X-rays

Contact:

• VA Benefits Hotline: 1-800-827-1000
• VADIP Information: va.gov/health-care/about-va-health-benefits/dental-care/dental-insurance

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Regional Resources by Vermont Area

Northern Vermont

Northern Counties Health Care (NCHC)

• St. Johnsbury: 165 Sherman Drive, St. Johnsbury, VT 05819
• Other locations: Concord, Danville, Hardwick, Island Pond
• Phone: (800) 499-9405
• Services: Three dental practices within network

Northwest Health Centers of Vermont

• Locations: Alburg, Enosburg Falls, Fairfax, Richford, St. Albans, Swanton
• Phone: (802) 255-5500
• Website: notchvt.org

Central Vermont

Central Vermont Medical Center Network

• Locations: Barre, Bethel, Berlin, Chelsea, Rochester, Randolph, Sharon
• Phone: (802) 728-7000
• Website: giffordmed.org

Lamoille Health Partners

• Locations: Morrisville, Stowe
• Phone: (802) 851-8608
• Website: LamoilleHealthPartners.org

Southern Vermont

North Star Health

• Locations: Bellows Falls, Chester, Londonderry, Ludlow, Springfield (VT), Charlestown (NH)
• Phone: (802) 886-8943
• Website: northstarfqhc.org
• Services: Medical, behavioral health, dental, and vision care regardless of insurance status

Community Health Centers of the Rutland Region

• Locations: Brandon, Castleton, Rutland, Shoreham, West Pawlet
• Phone: (802) 855-2083
• Services: Largest FQHC network in Vermont

Burlington Area

Community Health Centers of Burlington

• Locations: Burlington, South Burlington, South Hero, Winooski, Essex
• Phone: (802) 864-6309
• Services: Vermont’s only federally certified Health Care for the Homeless program

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Understanding Dental Costs in Vermont (2026 Data)

Current Pricing Estimates

Pricing estimates based on 2026 national dental cost surveys (CareCredit, Humana) and regional adjustments for Vermont.

Payment Options Available

• Medicaid: Up to $1,500 annually plus emergency coverage
• FQHC Sliding Scale: Based on income, some patients pay $0
• CareCredit: Healthcare credit card (Warning: High interest rates if not paid during promotional period)
• Dental office payment plans: Varies by provider
• HSA/FSA: Pre-tax dollars can cover dental expenses

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Medicare and Insurance Options

Traditional Medicare (Parts A & B)

• Medicare does not cover routine dental care for adults
• Only covers hospital-based procedures requiring medical admission
• Medicare Part B may cover separately purchased medications

Medicare Advantage Plans

• Many Medicare Advantage plans in Vermont include basic dental coverage
• Annual benefit caps typically $1,000-$3,000
• Northeast Delta Dental offers plans through Vermont Health Connect

Standalone Dental Plans

• Adult dental plans available from Northeast Delta Dental through Vermont Health Connect
• Available during Open Enrollment or Special Enrollment Periods
• Premiums and coverage vary by plan

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Special Populations

LGBTQ+ Seniors

Considerations:

• Vermont generally has LGBTQ+-affirming healthcare providers
• Vermont’s FQHCs serve diverse populations and are required to be culturally competent
• Ask about provider attitudes during initial calls
• Consider telehealth consultations when available

Resources:

• Vermont 211: 2-1-1 for LGBTQ+-friendly provider referrals
• Vermont Department of Health: General resource for inclusive providers

Veteran Seniors

Vermont-Specific Benefits:

• VA dental benefits available for eligible veterans
• VADIP offers discounted dental insurance starting at $15/month
• White River Junction VA Medical Center provides VA dental services

Contact:

• VA Benefits: 1-800-827-1000
• White River Junction VA: Check VA.gov for current contact information

Disabled Seniors

Special Considerations:

• Vermont Medicaid provides enhanced coverage for those in Developmental Disabilities or Community Rehabilitation programs
• No annual cap on dental services for these program participants
• Transportation assistance may be available through Area Agencies on Aging

Rural Seniors with Limited Access

Transportation Solutions:

• Vermont Public Transportation Association provides medical transportation: (833) 387-7200
• Area Agencies on Aging transportation programs
• Some FQHCs offer transportation assistance
• Telehealth consultations available at some locations

Distance Considerations:

• 11 FQHCs with 17 dental sites provide good geographic coverage
• Coordinate multiple services during single trips
• Consider staying overnight for extensive treatment

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Application Process: Step-by-Step Guide

Before You Apply – Gather These Documents

Required for Most Programs:

Typical Application Timeline

Vermont Medicaid (MABD):

1. Application: Online at Vermont Health Connect or call 1-800-250-8427
2. Processing time: 30-45 days for standard applications
3. Coverage start: First of month following approval

FQHC Services:

1. Initial contact: Call specific FQHC location
2. Appointment scheduling: Usually within 1-2 weeks
3. Sliding scale assessment: Determined at first visit

Free Clinics:

1. Contact: Check vtfreeclinics.org for specific clinic information
2. Scheduling: Varies by clinic; some offer walk-in hours
3. Services: Completely free, no financial assessment required

VA Dental Benefits:

1. Eligibility verification: 1-800-827-1000
2. Application processing: 30-60 days
3. Care authorization: Varies by type of service needed

Application Success Tips

1. Apply to Multiple Programs: Vermont has many options – use them all
2. Start with Medicaid: If you qualify, it provides the most comprehensive coverage
3. Keep Documentation Current: Income verification expires after 3-6 months
4. Consider Transportation: Factor travel time and costs to dental appointments
5. Be Persistent but Polite: Follow up monthly on application status

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Patient Success Stories

“I’m 68 and was worried about dental costs after retiring. I applied for Vermont Medicaid and qualified. They covered my cleaning, two fillings, and even an emergency root canal when I had terrible pain. The $1,500 annual limit covered most of my needs, and when I needed emergency care that went over the limit, Medicaid still covered it. I now get regular care at the Community Health Center in Rutland.”

• Margaret T., Rutland County

“As a veteran, I didn’t know about VADIP until a friend told me. I enrolled in the Enhanced Plan for $18 a month and it covers my cleanings 100%. When I needed a crown, the plan covered most of it. Much better than trying to pay out of pocket on my fixed income.”

• James R., Burlington area

Note: Patients gave permission to share stories; names changed for privacy

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Warning Signs and Red Flags

Dental Emergency Symptoms – Seek Immediate Help

• Facial swelling that affects breathing or swallowing
• Fever with dental pain (sign of serious infection)
• Severe bleeding that won’t stop
• Trauma affecting multiple teeth

Avoid These Dental Scams

• Door-to-door dental services
• “Free” dental work with no income verification
• Pressure to sign up immediately
• Requests for Social Security numbers before program verification
• “Mobile dental units” in parking lots without proper credentials

Legitimate Program Characteristics

• Income verification required for sliding scale programs
• Licensed facilities and dentists
• Clear information about costs and coverage
• No upfront fees for applications
• Established physical addresses and phone numbers

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Frequently Asked Questions

Q: Does Vermont Medicaid cover dental care for seniors? A: Yes. Vermont Medicaid covers dental services for adults up to $1,500 per year, with emergency services covered even after the cap is reached.

Q: What income qualifies for Vermont Medicaid? A: For 2026, individuals earning less than $2,982 monthly ( $35,784 annual ) may qualify for Medicaid dental coverage under the Institutional / Waiver standard.

Q: Are there completely free dental clinics in Vermont? A: Yes. Vermont has 8 free clinics statewide that provide completely free dental care with no insurance required and no payment expected.

Q: How do FQHCs determine sliding scale fees? A: FQHCs base sliding scale fees on income and family size, with some patients paying $0 for services.

Q: Can veterans get dental insurance in Vermont? A: Yes. Veterans enrolled in VA health care can purchase discounted dental insurance through VADIP starting at about $15/month.

Q: What should I do for a dental emergency if I have no money? A: Go to a hospital emergency room for severe symptoms. For urgent dental pain, call 2-1-1 or contact one of Vermont’s free clinics at vtfreeclinics.org.

Q: Does Medicare cover any dental care in Vermont? A: Traditional Medicare covers very limited dental care. Some Medicare Advantage plans include basic dental coverage with annual limits.

Q: How long are waiting lists for dental care in Vermont? A: Varies by provider. Medicaid coverage begins after approval (30-45 days). FQHCs typically schedule within 1-2 weeks. Free clinics may have varying wait times.

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Additional Resources and Verified Contacts

State and Regional Resources

Vermont Department of Health

• Phone: (802) 863-7200
• Website: healthvermont.gov/wellness/oral-health
• Services: Oral health information, provider directories

Vermont Department of Health Access (Medicaid)

• Phone: 1-800-250-8427
• Website: dvha.vermont.gov/members/medicaid
• Services: Medicaid eligibility, dental coverage information

Vermont Health Connect

• Phone: 1-855-899-9600
• Website: info.healthconnect.vermont.gov
• Services: Health insurance enrollment, including dental plans

Bi-State Primary Care Association

• Website: bistatepca.org
• Services: Maintains list of FQHCs in Vermont and New Hampshire

National Resources

Vermont 211

• Phone: 2-1-1
• Services: Information on all community-based health and other services
• Available: 24/7

Office of the Health Care Advocate

• Phone: 1-800-917-7787
• Website: vtlawhelp.org
• Services: Free resource for Vermonters seeking health care assistance

Veterans Resources

VA Benefits Hotline

• Phone: 1-800-827-1000
• VADIP: Delta Dental or MetLife plans

White River Junction VA Medical Center

• Contact: Check VA.gov for current contact information
• Services: VA dental care for eligible veterans

Emergency and Crisis Resources

Poison Control (medication interactions)

• Phone: 1-800-222-1222
• Available: 24/7

Veterans Crisis Line

• Phone: 988, Press 1
• Available: 24/7

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Income Eligibility Quick Reference (2026)

Vermont Medicaid (MABD) Income Limits

(Based on Institutional / Home & Community Based Services Standard)

Source: Adjusted for 2026 Federal Benefit Rate increase (300% of SSI FBR) and COLA.

Federal Poverty Level for Other Programs

Most Free Programs Use: Sliding scale based on income; many serve patients at all income levels

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Action Plan for Vermont Seniors Needing Dental Care

Step 1: Assess Your Situation

• Emergency? Go to ER for severe symptoms, call 2-1-1 for immediate resources
• Low income? Apply for Vermont Medicaid first – best coverage available
• Veteran? Call VA benefits hotline: 1-800-827-1000
• Any income level? FQHCs serve everyone regardless of ability to pay

Step 2: Gather Documentation

• Photo ID and proof of income/residency
• List of current medications
• Insurance cards (Medicare, supplement plans, VA cards if applicable)

Step 3: Apply in Strategic Order

If your income qualifies for Medicaid:

1. Vermont Medicaid 1-800-250-8427
2. FQHC for additional services beyond Medicaid coverage
3. Free clinics for supplemental care

If you’re a veteran:

1. VA dental benefits (1-800-827-1000)
2. VADIP insurance for additional coverage
3. Vermont Medicaid (if income qualifies)

If you don’t qualify for Medicaid:

1. FQHC with sliding scale fees
2. Vermont’s free clinics
3. Standalone dental insurance plans

Step 4: Follow Up and Plan B

• Call monthly to check application status
• Use multiple programs for different types of care
• Plan transportation to dental appointments
• Keep copies of all applications and documentation

Step 5: Maintain Oral Health While Waiting

• Brush twice daily with fluoride toothpaste
• Use over-the-counter pain relievers as directed
• Avoid hard foods that could cause further damage
• Rinse with warm salt water for minor infections
• See a doctor if you develop fever or facial swelling

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Looking Ahead: Potential Changes

What’s Improving

• Vermont’s 2023 dental benefit improvements are showing positive results
• FQHCs continue to expand services despite financial challenges
• Vermont State Dentist Incentive Loan Program providing up to $50,000 annually to increase dentist workforce

What to Watch For

• Potential further expansion of Medicaid dental benefits
• New federal funding for FQHCs and community health centers
• Changes to Medicare Advantage dental coverage

Stay Informed

• Follow Vermont Department of Health updates
• Monitor Vermont Health Access announcements
• Check with local FQHCs for new services

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About This Guide

Researched and Compiled by Grants for Seniors

This guide has been carefully researched using publicly available government resources and official program websites. We systematically review federal and state program information to create comprehensive, accurate guides for older Americans seeking dental care assistance.

Our Sources: All information comes from official sources including federal agency websites (HHS, CMS, VA), Vermont state government departments, official program documentation, and verified nonprofit organization resources.

Verification Process: Each program listing undergoes thorough online verification by cross-referencing information across multiple official sources, checking current program status, verifying contact information, and confirming eligibility requirements and deadlines.

Information Currency:

• Last Updated: January 2026
• Sources Verified: January 2026
• Next Review: May 2026

Important Note: Government programs can change without advance notice. While this guide uses the most current available information, we strongly recommend verifying all details directly with program administrators before applying.

Found an Error? If you discover outdated information or additional programs that should be included, please contact us at info@grantsforseniors.org.

Disclaimer: This guide is for informational purposes only and does not constitute professional medical or financial advice. Always confirm program details with official sources before applying. Dental program details, eligibility requirements, income limits, and contact information can change frequently. Always verify current information directly with the relevant organization before making decisions about your dental care. This guide is for informational purposes only and is not a substitute for professional medical advice. Income limits and program availability are subject to change based on federal and state legislation and funding availability. All costs and statistics cited are from the sources indicated and were accurate as of the publication date shown. The patient stories included have been anonymized with permission. Medical advice should always be sought from qualified healthcare professionals.

This resource is independently researched to help seniors access available dental care assistance programs.