Dental plans for retirees

Choosing the right healthcare coverage is important when planning for retirement. Making the right decisions now will help keep you healthy and save money down the road.

Planning for retirement? Don’t overlook your dental coverage.

Since oral health conditions like gum disease are connected to issues like diabetes and heart disease, maintaining a healthy smile is key to a happy, healthy lifestyle!

But what you may not know is Medicare doesn’t cover most dental services. In fact, Medicare Part A only covers dental services you receive in a hospital as part of treatment for another medical condition.

Which means, the cost of preventative care visits necessary to keep your smile healthy – including checkups, cleanings, fillings, crowns, and even dentures – is paid totally out-of-pocket.

Since the average cost of a preventive dental visit (exam, cleaning, x-ray, and fluoride) is $250-$300 in Washington state, paying as you go can add up quickly. And crowns and implants can cost thousands of dollars without dental coverage!

So, shop our plans below. Whether you’re looking for an affordable option with little to no deductible or want to spend a little bit more for peace of mind, our Individual & Family™ plans will help protect your smile for years to come.

Basic Plan

Most affordable plan covers preventive care, fillings and non-surgical extractions
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Monthly Premium Eastern/Western WA
$27.40 $3155*
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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. Age 51+
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Monthly Premium Eastern/Western WA
$41.25 $5180*
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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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Monthly Premium Eastern/Western WA
$36.80 $4235*
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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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Monthly Premium Eastern/Western WA
$44.35 $5100*
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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
Plan Details Collapse

Premium Plan

High maximum, 100% preventive coverage, cost-sharing for restorative and major services
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Monthly Premium Eastern/Western WA
$53.75 $6175*
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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 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.