Dental Plans for Retirees

Protect your smile for years to come with coverage designed just for you.



Senior Dental Care: Importance of Oral Health For Seniors



With age, dental care and oral health become increasingly more important. According to the Center for Disease control and prevention (CDC) - about 2 in 3 adults aged 65 or older have gum disease. 1 in 5 adults over 65 have untreated tooth decay.

You might not know that oral health conditions like gum disease are linked to major health issues like diabetes, heart disease, and Alzheimer’s. This means that maintaining a healthy smile is part of living a happy and healthy life.



Premium Plan

Highest annual coverage and three cleanings per year. Preventive care covered at 100%.
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Monthly Premium Eastern/Western WA
$59.50 $6835*
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Plan year maximum$2,000
Deductible$100
Policy lifetime
Preventive Care100%
Cleanings, exam, x-rays and fluoride
Fillings80%
Crowns50%
Root canal50%
Non-Surgical Extractions50%
Gum disease deep cleaning50%
Waiting PeriodsMay apply
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Clear Plan

No waiting period and fixed out-of-pocket costs for everything from preventive care to root canals and surgical extractions.
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Monthly Premium Eastern/Western WA
$38.60 $4845*
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Plan year maximumNone
DeductibleNone
Preventive Care$65
Copay
Fillings$115
Copay
Crowns$740
Copay
Root canal$535
Copay
Non-Surgical Extractions$115
Copay
Gum disease deep cleaning$125
Copay
Waiting PeriodsNone
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Enhanced Plan

100% coverage for preventive care. Most major procedures are covered at 50% after waiting period.
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Monthly Premium Eastern/Western WA
$47.50 $5465*
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Plan year maximum$1,000
Deductible$50
Preventive Care100%
Cleanings, exam, x-rays and fluoride
Fillings50%
Crowns50%
Root canal50%
Non-Surgical Extractions50%
Gum disease deep cleaning50%
Waiting PeriodsMay apply
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Ascent Plan

No waiting period and 100% coverage for preventive care like cleanings and exams. Your loyalty is rewarded with an annual maximum that increases the first two years that you renew.
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Monthly Premium Eastern/Western WA
$51.65 $5935*
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Plan year maximum
$1,000/$1,250/$1,500
Deductible$50
Preventive Care100%
Cleanings, exam, x-rays and fluoride
Fillings50%/60%/70%
Crowns50%
Root canal50%
Non-Surgical Extractions50%
Gum disease deep cleaning50%/60%/70%
Waiting PeriodsNone
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* These are benefit highlights only. Monthly premiums shown are examples of monthly rates for subscriber-only in Washington, effective January 2021. Actual rates may vary (higher or lower) based on plan choice, your age, your location, number of people insured, their age, and relationship to you. Waiting periods may be waived if you had qualifying dental coverage prior to enrolling. For full details of plans, benefits and pricing, please visit  DeltaDentalCoversMe.com.


Delta Dental Coverage is Available For Seniors – Don’t miss out on critical dental benefits


Many older Americans are missing out on dental coverage because not all Medicare and Medigap programs cover dental. To ensure you have access to the dental coverage you need, a supplemental dental insurance plan can provide those critical dental benefits that your Medicare or health insurance plans may not cover. If you find yourself without dental coverage, consider one of our Delta Dental plans that may be appropriate for seniors .



Waiting Periods



Waiting periods refer to a period of time before your full dental benefits kick in. During this time, your dental plan may not cover certain procedures. Depending on the plan you choose, the waiting period could range from a month to a full year. If you're switching dental insurance providers, your new provider may waive the waiting period with proof that you didn’t previously have a break in coverage, usually no more than 63 days.




Understanding the Definitions and Differences Among Original Medicare, Medicare Advantage, and Medicare Supplemental Insurance (Medigap)



Medicare is a federal program run by a branch of the U.S. Department of Health & Human Services. It is available to most people aged 65 or older, younger people with disabilities, and people with End Stage Renal Disease. There are several variations of Medicare coverage including Original Medicare, Medicare Advantage, and Medicare Supplemental Insurance (Medigap).

Original Medicare “Pays providers the Medicare-approved rates for covered services per Medicare rules and regulations” and “covers medically-necessary and outpatient health care.”i It does NOT cover services like routine vision, hearing or dental care.

Medicare Advantage consists of hospital insurance and medical insurance plus usually a Medicare Drug plan. Note that Medicare Advantage “may offer some extra benefits like vision, hearing, and dental services.”ii However, these plans may still only offer limited coverage for certain benefits.

Medigap is “Medicare Supplement Insurance that helps fill ‘gaps’ in Original Medicare and is sold by private companies.”iii They typically do NOT cover vision or dental services.


Wondering if you qualify for Medicare? Check your eligibility using Medicare’s Online Eligibility and Premium Calculator.




Learn More


Medicare Basics: https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/how-does-medicare-work

Medicare and Oral Health (Kaiser Family Foundation): https://www.kff.org/medicare/issue-brief/drilling-down-on-dental-coverage-and-costs-for-medicare-beneficiaries/

Oral Health Resources for Seniors: SeniorsOralHealth.org.


Additional content from Delta Dental of Washington:

How much does dental insurance cost?

Is dental insurance worth it?

Dental Terms Demystified: annual maximum, deductible, copays, coinsurance



i: https://www.insurance.wa.gov/what-difference-between-original-medicare-and-medicare-advantage

ii: https://www.medicare.gov/types-of-medicare-health-plans/medicare-advantage-plans

iii: https://www.medicare.gov/supplements-other-insurance/whats-medicare-supplement-insurance-medigap