Dental Plans for Seniors and Retireesi
Why choose Delta Dental of Washington for seniors? With age, dental care becomes more important as the risk of common dental problems, such as dry mouth, gum disease, tooth decay, and oral cancer, increase. Take charge of your dental health now by enrolling in one of our recommended senior dental plans.
Individual and Family Dental Plans for Seniors and Retireesi
Scroll down within the table to view all benefits.
| Plan features | Optimum Plan |
Premium Plan |
Ascent Plan |
Enhanced Plan |
Simple |
|---|---|---|---|---|---|
| Description | NEW for 2027. Cosmetic benefits and highest cost-sharing for restorative and major services |
High maximum and three periodontal maintenance cleanings per benefit year |
No waiting period and coverage that increases over the first two years you renew |
100% coverage on most preventive care services and 50% on most major procedures |
NEW for 2027. Fixed out-of-pocket costs, no deductible, no copays, and no plan year maximum |
| Shop plans | |||||
|
$97.30ii |
$74.40ii |
$63.60ii |
$55.40ii |
$44.05iii |
|
$111.70ii |
$85.50ii |
$73.15ii |
$63.75ii |
$55.40iii |
|
1st Yr, 2nd Yr, 3rd Yr |
$2,000 |
1st Yr, 2nd Yr, 3rd Yr |
$1,000 |
None |
None |
None |
None |
None |
None |
|
$100 |
$100 |
$50 |
$50 |
None |
|
None |
None |
None |
None |
None |
|
|
100% |
100% |
100% |
100% |
$85 Copay |
80% |
80% |
1st Yr, 2nd Yr, 3rd Yr |
50% |
$125 Copay |
|
60%iv |
50%iv |
50%iv |
50%iv |
||
60% |
50% |
50% |
50% |
||
60% |
50% |
50% |
50% |
||
60% |
50% |
50% |
50% |
$125 Copay |
|
60% |
50% |
Not Covered |
Not Covered |
$240 Copay |
|
60%vii |
50%vii |
1st Yr, 2nd Yr, 3rd Yr |
50% |
Included in Preventive Care Visit |
|
Not Covered |
Not Covered |
Not Covered |
Not Covered |
Not Covered |
|
50% teeth whitening or bleaching |
Not Covered |
Not Covered |
Not Covered |
Not Covered |
|
Yes |
Yes |
Yes |
Yes |
Yes |
|
May Applyviii |
May Applyviii |
None |
May Applyviii |
May Applyviii |
Optimum Plan |
Premium Plan |
Ascent Plan |
Enhanced Plan |
Coverage percentages displayed in the table above represent the percentage of the allowed amount that is covered by Delta Dental of Washington.
Optimum and SimpleChoice plans are available for purchase as early as November 1, 2026 for January 1, 2027 plan effective date or later. Premium, Plus Ortho, Ascent, Enhanced, and Basic plans are available for purchase at any time, but rates may differ if you purchase a plan with a 2026 effective date versus a 2027 plan effective date.
Optimum and SimpleChoice plans are available for purchase as early as November 1, 2026 for January 1, 2027 plan effective date or later. Premium, Plus Ortho, Ascent, Enhanced, and Basic plans are available for purchase at any time, but rates may differ if you purchase a plan with a 2026 effective date versus a 2027 plan effective date.
Need vision coverage?
Add a vision plan to your Individual and Family dental plan.
Delta Dental of Washington for Seniors on Medicare– 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 benefits 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 of Washington Individual and Family Plans for seniors above.
Learn more about protecting your dental health during Medicare open enrollment here.
Improve Your Health with Our Free Hearing Savings Program - Exclusively for Individual & Family Plan Members
Looking for more ways to improve your health? Explore our new hearing savings program and take the virtual hearing quiz, offered in partnership with Amplifon Hearing Health Care. This program is free of cost and is offered exclusively to Individual and Family Plan members.
Frequently Asked Questions
What are Individual and Family plans and who are they for?
How much can I save by enrolling in a dental benefits plan?
When can my plan start?
What is a waiting period?
As noted, the Ascent Plan has no waiting period. Additionally, services subject to waiting periods differ depending on the plan.
Have questions about other dental benefit terms? Take a look at our Dental Benefit 101 articles: annual maximum, deductible, copays, coinsurance
Are my dental benefits covered through Medicare?
What are the 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." 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. However, these plans may still only offer limited coverage for certain benefits. Compare Original Medicare & Medicare Advantage here.
- Medigap is Medicare Supplement Insurance that helps fill ‘gaps’ in Original Medicare and is sold by private companies. They typically do NOT cover vision or dental services.
How do I know if I qualify for Medicare?
I recently moved to Washington state and had Delta Dental in another state. Do the benefits transfer over when I move to Washington?
How can I learn more about enrolling in a new Individual and Family plan?
Related Content from Delta Dental of Washington:
Dental coverage and Medicare
Healthy aging tips for seniors and retirees
How much does dental insurance cost?
Is dental insurance worth it?
Enrolling your senior parent in dental benefits
i. These are benefit highlights only. Monthly premiums shown are examples of monthly rates for subscriber only in Washington, effective January 2027. Actual rates may vary (higher or lower) based on plan effective date, plan choice, your age, your location, number of people insured, their age, and relationship to you. For full details of plan, benefits, and pricing, please visit DeltaDentalCoversMe.com.
ii. Individual 12-month contracted rate.
iii. Individual 12-month contracted rate for ages 51+. Actual rate may be higher or lower depending on age.
iv. A pretreament estimate is suggested. Clinical requirements must be met, crowns covered at 50% per tooth every seven years for persons ages 12 years and older. Crowns covered at 60% per tooth every seven years for persons ages 12 years and older under the Delta Dental - Optimum Plan.
v. A pretreament estimate is suggested. Clinical requirements must be met; 1 crown and 1 implant per person per 12-month policy period.
vi. 2 teeth in 12 months after purchase or renewal, once per tooth every two years after.
vii. No waiting period.
viii. This Policy has a 12-month Waiting Period that applies to certain covered procedures. This means that Delta Dental of Washington will not pay for any of these procedures until you have been enrolled in this Policy for 12 continuous months. If you were covered under a comparable full-coverage dental plan that included Major services, for at least 12 continuous months before enrolling in this Plan, any Waiting Periods will be waived—provided there was no more than a 63-day gap between your previous coverage and this Policy. To request that the waiting period be waived, you must provide details about your previous coverage.
