Dental Insurance Options for People Over 65

Did you know that original Medicare and some Medicare Advantage plans don't cover routine dental care? That means if you're retired and over 65, you're on your own for things like cleanings, x-rays, and crowns — unless you take action. Here’s how to fill the gap affordably.

The Dental Dilemma for Seniors

According to the CDC:

• 20% of adults 65+ have untreated tooth decay
• 68% have gum disease
• Nearly 1 in 5 have lost all their teeth

Yet, about half of all seniors lack dental insurance. With aging increasing the risk for oral health problems, going without coverage can lead to serious consequences — both for your teeth and your wallet.

Your Coverage Options

1. Medicare Advantage (MA) Plans Some MA plans include dental coverage, or let you add it for an extra premium (averaging $284/year, per the Kaiser Family Foundation).

• These plans may cover preventive services and some basic care
• Watch for annual limits, exclusions, and network restrictions

2. Stand-alone Dental Plans You can buy private dental insurance through companies like Delta Dental, Humana, or Cigna. An independent insurance agent can help you find the right coverage for you.

• On average, premiums range from $20–$80/month
• Look for coverage on major services like dentures, bridges, or implants
• It is possible they may have waiting periods and annual caps

3. Dental Discount Plans These are not insurance but offer access to lower rates with participating dentists. Again, an independent insurance agent can help you find the right coverage for you.

• Membership fees are typically $80–$200/year
• No claims or waiting periods
• These can be a smart option if you need immediate care

4. Other Options

• Veterans with service-connected disabilities may get VA dental care
• Community health centers offer sliding-scale dental clinics
• Dental schools provide supervised care at a discount

What to Watch Out For

• Annual benefit caps: Many plans limit total annual payouts 
• Pre-existing exclusions: Some plans won’t cover pre-existing issues, like teeth that were missing before you enrolled
• Waiting periods: There is sometimes a waiting period of 6–12 months for crowns, bridges, or dentures

Is It Worth It?

If you're only getting one cleaning a year, you might pay less out of pocket than the cost of premiums. But if you're managing chronic conditions, missing teeth, or want peace of mind, some coverage is better than none.

Pro tip: Consider setting aside dental funds in an HSA if you have a high-deductible Medicare Advantage plan that allows it.

Don’t wait until a toothache becomes an emergency. Need help researching options?  We are here to help you choose the plan (or strategy) that works for your health, your needs, and your budget.

Sources:

• https://www.medicare.gov/coverage/dental-services
• Kiplinger
• The Harvard Gazette
• Consumer Reports