Dental plans for retirees

Healthcare coverage is a key factor to consider when planning for retirement. Making the right decisions now can keep you healthy and save money down the road.

Overlooking dental coverage as you plan for retirement can lead to some unpleasant surprises. Medicare doesn’t cover most dental services and paying out-of-pocket as you go doesn’t guarantee savings.

Medicare Part A only covers certain dental services you may receive in a hospital as part of your treatment for another medical condition. Medicare doesn’t cover dental services needed to keep your smile healthy. These services include dental visits, cleanings, fillings, crowns and dentures. Without dental benefits, dental care can cost a lot. In fact, the average cost of a preventive dental visit (exam, cleaning, x-ray, and fluoride) is $250-$300 in Washington State. Crowns and implants can cost thousands of dollars without dental coverage.

Oral health conditions, like gum disease, are even connected to other chronic health conditions like diabetes and heart disease.

Our Individual and FamilySM plans are a great way for you to protect your oral health in retirement.

Basic Plan

Most affordable plan covers preventive care, fillings and non-surgical extractions
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Premium starts at
$25.90*
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Plan year maximum$1,000
DeductibleNone
 
Office visit copay$15
Preventive Care100%
Cleanings, exam, x-rays and fluoride
Fillings50%
 
CrownsNot covered
 
Root canalNot covered
 
Non-Surgical Extractions50%
 
Gum disease deep cleaningNot covered
 
OrthodonticsNot covered
Annual ContractYes
Waiting PeriodsMay apply
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Clear Plan

No guessing: fixed out-of-pocket costs, no waiting periods or dollar maximums
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Premium starts at
$27.00*
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Plan year maximumNone
DeductibleNone
 
Office visit copayNone
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
OrthodonticsNot covered
Annual ContractYes
Waiting PeriodsNone
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Classic Plan

Economical coverage, with cost-sharing on all covered services with a monthly contract
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Premium starts at
$34.80*
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Plan year maximum$1,000
Deductible$50
 
Office visit copayNone
Preventive Care80%
Cleanings, exam, x-rays and fluoride
Fillings50%
 
Crowns50%
 
Root canal50%
 
Non-Surgical Extractions50%
 
Gum disease deep cleaning50%
 
OrthodonticsNot covered
Annual ContractNo
Waiting PeriodsMay apply
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Enhanced Plan

100% preventive coverage, cost-sharing for restorative and major services
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Premium starts at
$41.95*
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Plan year maximum$1,000
Deductible$50
 
Office visit copayNone
Preventive Care100%
Cleanings, exam, x-rays and fluoride
Fillings50%
 
Crowns50%
 
Root canal50%
 
Non-Surgical Extractions50%
 
Gum disease deep cleaning50%
 
OrthodonticsNot covered
Annual ContractYes
Waiting PeriodsMay apply
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Premium Plan

High maximum, 100% preventive coverage, cost-sharing for restorative and major services
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Premium starts at
$50.34*
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Plan year maximum$2,000
Deductible$100
Policy lifetime
Office visit copayNone
Preventive Care100%
Cleanings, exam, x-rays and fluoride
Fillings80%
 
Crowns50%
 
Root canal50%
 
Non-Surgical Extractions50%
 
Gum disease deep cleaning50%
 
OrthodonticsNot covered
Annual ContractYes
Waiting PeriodsMay apply
Plan Details Collapse
* These are benefit highlights only. Monthly premiums shown are examples only of our lowest monthly rates for subscriber-only or family (subscriber, spouse, plus two children). Actual rates vary 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.