How To Find Dental Insurance After Retirement

Dental insurance is often one of the offerings that companies provide their employees. However, after retirement, is it possible to get dental insurance? Let’s find out here!

Dental insurance is a useful tool to protect yourself from financial problems when you encounter unexpected issues related to your oral health. In general, employers often offer dental coverage as a part of their job offerings, which provides their employees with free annual exams and a discount on dental services. But have you ever wondered after retirement, whether you could use that dental insurance or not? Let’s scroll down to find your answer!


After many conversations with my patients, this is a common question I often get asked: “Why doesn’t Medicare cover the dentures or hearing aids for me?”. The answer is that Medicare offers insurance plans, which cover the risks of “catastrophic” events. Meanwhile, glasses, dentures, and hearing aids are almost requisite when we get old.

For the people old enough to have dental problems, a number of their teeth has already been pulled before the golden period of their life. But several things have changed after decades. Dental sanitation comprehension is becoming more and more popular among parents who are strongly encouraged to take their children to the dentists for check-ups as early as possible. Besides, the branch of dentistry concerned with the dental care and treatment of children has risen in popularity lately. As a result, dental insurances are commonly offered by a lot of companies as an employees’ benefit.

As the lifestyle is getting better, the new generation usually takes the insurance plans like Medicare with a healthy set of teeth, with a few to no fillings, crowns or implants. As a result, many companies have extended the age that can buy dental insurance to over 65.

Many insurance organizations offer dental care for over 65 people.
After retirement, you may choose to keep your present dental coverage (that you get through the work). But if you want, there are various individual dental plans that can satisfy your demand. If you are wondering how to begin, those following beneficial tips are truly what you need to read:

1. Search for advice

The first thing you should do is getting access to some basic surveys which might show your dental care plans or several other options to meet your needs. Your private information, of course, will be anonymous, and will only be taken to help retired senior compare plans and access other resources. For example, Medicare Questionnaire created by the non-profit National Council on Aging—a resource for Medicare information for over 50 years is one of the most trustworthy surveys among dental insurance searchers. Moreover, these kinds of surveys also help you establish a direct network with free professional advice from licensed staff members, including information in your local area that may cover dental.

2. Collaborate with groups in your areas and get to learn about policies

For personnel, the dental insurance includes all about the current dental health insurance benefits and how it would alter after retirement as well. Have you ever thought of going on with your group plan? It may be much easier when we could find out for how long or how much that type of insurance costs. The second thing to do is to take part in some public workshops and figure out how the dental insurance’s policies work. On average, the insurance often charges you $30 to $60 per month. But there are many factors that can affect your willingness to pay for an insurance policy. Here are some questions that might help you find your own choice.
  • Do you want to commit regular dentist visits each year?
  • Is it OK that you pay more premium for coverage next month?
  • Can you seek out a plan taken by your current dentist? Are you willing to change your dental caretaker to get benefits from insurance coverage?

3. Find your dental plans in insurance Marketplaces

Many states offer dental care plan through insurance Marketplaces. For example, you can check out the Tooth Wisdom, a project website by  Oral Health America organization, which has the mission to connect old people with the dental resources in their local community.

4. Look for Health Maintenance Organizations or Community Health Centers

It is a great way to get the dental work after retirement with a budget-friendly cost, just about $200 to $300 per year. It is reported that about 20 percent of nationwide dentists have joined in those organizations and they are always ready to provide you with basic services like cleanings, fillings, crowns or root canals. Another choice is Community Health Centers, which can offer you low costs but it has some common issues like the lack of service, or you have to wait too long.


Though most people get their dental coverage through their work and often lose the plans after retirement, it is possible to find several dental insurance options with those useful tips in my article above. Getting old doesn’t mean you stop taking care of your oral health.  Just keep your smile and choose the perfect one for your old age.

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