Private Dental Plans for Retirement

In our recently updated article, "Does Medicare Cover Dental", we explained the ins-and-outs of the Medicare system, what is and isn’t covered, and what you can do to ensure you’re getting yourself the coverage you deserve.

But one thing we didn’t cover, is why exactly it’s important that Americans 65 and over need to take care of their oral health. If you're already looking for dental coverage, check out our dental plans recommended for retirees and seniors.

In a recent study conducted by Delta Dental of Washington’s Arcora Foundation in conjunction with HealthCare Research, approximately 97% of seniors in Washington consider their oral health to be just as important as their overall health¹.

That’s because a lot of diseases, like heart disease and diabetes, often present first in the mouth. And since age-related conditions such as arthritis can make brushing and flossing difficult, it’s important for seniors to visit the dentist regularly for cleanings and checkups.

This means that plans focusing on preventive care – like many of the individual dental plans we provide* – are invaluable to maintaining a healthy overall lifestyle for those 65+. By emphasizing regular dental care, seniors can address such issues as:

• Heart Disease: According to Harvard Medical School, people with gum disease have two to three times the risk of having a serious cardiovascular health issue.
• Diabetes: Severe gum disease, or periodontitis, hinders the body’s ability to use insulin and high blood sugar resulting from diabetes can lead to infections in the gums.
• Pneumonia: Poor oral health has been linked to pneumonia in seniors. By breathing in bacteria from the mouth to the lungs, seniors are more susceptible to pneumonia than other populations, making good oral hygiene key to prevention.
• Root Decay: Caused by tooth root exposure to acidic foods, root decay is very common in people 65+.
• Dry Mouth: This is a common side effect of medication as well as cancer treatments that specifically target radiation to the head and neck area. Saliva keeps the mouth wet, which helps prevent the buildup of bacteria or tooth decay.
• Denture-Induced Stomatitis: Caused by a combination of ill-fitting denture and poor oral hygiene or the buildup of the fungus Candida albicans, this condition causes inflammation below the dentures that can be very painful if left untreated.

Good oral health is intrinsic to an overall healthy lifestyle. Which means, if you’re one of the the roughly 61.2 million Americans over 65 years old, it’s necessary to find a dental plan that takes care of you and your smile every step of the way.

---

Our Individual and Family™ dental plans recommended for seniors and retirees are a great, affordable way for you to protect your oral health in retirement. You can enroll in any of these plans at any time, and with annual contracts, you can be assured of continued coverage all year. Here’s a brief overview:

Premium Plan Our plan with the highest annual maximum is great for those who want as extensive coverage as possible and plan on getting multiple periodontal cleanings or other dental procedures in the near future.

Ascent Plan Whatever the future holds, this plan will be there for you. Enjoy 100% coverage for most preventive appointments like cleanings and exams and watch your coverage increase each year after the first two years of holding this plan. Plus, there is no waiting period required for this plan, so you can enroll in this plan at any time, regardless of when your previous coverage ended.

Enhanced Plan This well-rounded plan is a great place for enrollees to start. It covers 100% of preventive services like cleanings and up to 50% for other dental procedures.

The list above is very high-level information. We recommend that you always review plan details and get a quote before you purchase a dental insurance plan. Or consider using our Interactive Plan Finder to help you choose the Individual and Family Plan that’s right for your smile.

---

Over 65 and need coverage? Already have a dental plan and need to look what's covered? Use one of the options below.

*Delta Dental of Washington is independent of the Medicare program and is neither associated with nor endorsed by the Centers for Medicare and Medicaid Services (CMS).

¹Weiss, K. (2017, March). Senior Oral Health Survey. Retrieved August 03, 2020, from https://arcorafoundation.org/wp-content/uploads/2019/10/senior-oral-health-survey-full-report.pdf

Explore related topics