Delta Dental - Clear Retiree Plan

Our No Guessing, No Wait Plan

clear plan

Our Clear Plan is designed for those who want to know their exact out-of-pocket treatment costs and are looking to start their dental coverage the month after they enroll. With set dollar amounts, you can easily plan and track how much you are investing into your oral health.

Which plan is right for you? Click on each person below to find out why they chose the Clear Plan*


Betty just retired and enrolled in a Medicare Advantage plan, but she only receives limited dental benefits through the program.

I am enjoying my life as a new retiree and am excited to spend unlimited time gardening with my husband and going for long hikes. As soon as we decided to retire, I signed us up right away for a Medicare Advantage plan. But we’ve learned that our Medicare plan really doesn’t cover most of our needs. As we age, I want to make sure that our teeth are well taken care of and covered so that we don’t rack up a huge dental bill later. As someone who likes to know upfront exactly how much something costs, I knew that this plan was the best fit for our dental and budgeting needs.


José needs a few dental procedures done that are not covered by Traditional Medicare.

When I enrolled in a traditional Medicare plan at age 65, I was shocked to learn that dental benefits were not included. I thought Medicare was built to help me with all my healthcare needs as I age. While I haven’t encountered many dental issues overall, my dentist told me I need a couple of fillings and a root canal. I am on a limited income, so I want to make sure I invest in a dental plan that is intuitive, affordable, and inclusive of my dental needs. I am glad I found a plan where I don’t have to estimate costs and thus know exactly how much my next treatment is going to cost!

*Personas are fictional and only intended to represent possible oral health needs and situations. They are not inclusive of all needs or circumstances.

Plan Highlights

  • No deductible
  • No waiting period – benefits start the month after you enroll instead of the year after
  • Fixed out-of-pocket expenses

Plan Features per benefit yeari
Monthly Premium
Eastern/Western WA
Plan Year Maximum
Shared Maximum Benefit
Individual Starting Ratei
for individuals ages 51+
$40.70 / $51.10
Actual rate may be lower depending on age
None None
Office Visit Copay
Preventive Care
Cleanings, exams, x-rays and fluoride
None None $65 Copay
Fillingsi Crownsii Root Canal
$115 Copay $740 Copay $535 Copay
2 teeth in 12 months after purchase or renewal, once per tooth every two years after
Non-Surgical Extractions Periodontal Maintenance Orthodontics
$115 Copay Included in Preventive Care Visit Not Covered
Annual Contract Waiting Periods  
Yes None  
Compare to Similar Plans
  This Plan    
  Clear Plan Enhanced Plan Ascent Plan
Monthly Premium
Individual Starting Rate
Eastern WA / Western WA
$40.70 / $51.10i
Starting rate for Individuals ages 51+
Actual rate may be lower depending on age
Eastern WA / Western WA
$50.85 / $58.50i
Eastern WA / Western WA
$54.45 / $62.60i
Plan Year Maximum
per person
None $1000 1st Year, 2nd Year, 3rd Year
Shared Maximum Benefit None None None
Deductible None $50 $50
Office Visit Copay None None None
Preventive Care
Cleanings, exams, x-ays, and fluoride
100% 100%
Fillings $115
Excludes back teeth toothcolored fillings
1st Year, 2nd Year, 3rd Year
Crowns $740ii
50%iii 50%iii
Root Canal $535
2 teeth in 12 months after purchase or renewal, once per tooth every two years after
50% 50%
Non-Surgical Extractions $115
50% 50%
Periodontal Maintenance Included in Preventive Care Visit 50% 1st Year, 2nd Year, 3rd Year
Orthodontics Not Covered Not Covered Not Covered
Annual Contract Yes Yes Yes
Waiting Periods None May Apply None

These are benefit highlights only. Monthly premiums shown are examples of monthly rates for subscriber-only in Washington, effective January 2024. Actual rates may vary based on 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

ii A predetermination is suggested. Clinical requirements must be met, 1 crown per person per 12-month policy period.

iii Clinical requirements must be met, crowns covered at 50% per tooth every seven years.