Dental Insurance Plans for Seniors
As we live longer, healthier lives, keeping your smile strong is more important than ever. Today’s seniors are more active and living well into their 80s, often keeping their natural teeth for life. Maintaining good oral health supports your overall wellness, making dental insurance for seniors essential to your retirement planning.
If you’re approaching retirement and leaving an employer plan, or simply exploring better coverage options, now is the time to learn about senior dental plans and how they can help you save on care.
Compare Affordable Dental Plans for Seniors
Protect your smile in retirement with coverage you can count on. Get your free quote and find the right plan for you today.
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Why seniors need dental insurance after retirement
Routine dental care isn’t covered under Original Medicare, which leaves many retirees without essential dental benefits. This gap in coverage is significant because oral health plays a critical role in your overall well-being. As you age, your risk of cavities increases*—more than one-third of Delta Dental of Iowa members 55+ had at least one filling last year. Consider the average costs** of routine dental procedures compared to what’s covered by insurance:
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Procedure
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Average Cost
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Cost for Delta Dental of Iowa Members
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Filling
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$177
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$68
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Crown
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$767
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$376
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Multiple Crowns
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$3,406
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$853
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Investing in an affordable dental insurance plan for seniors helps you manage these expenses while protecting your health. Oral health issues like gum disease and tooth loss can affect heart health, diabetes management, and more, making coverage a smart and proactive choice for your retirement years. With Delta Dental of Iowa, you can get a quote online, compare plans, and enroll the same day to ensure your smile stays protected.
How dental insurance works for seniors
Understanding how dental insurance for seniors works can help you maximize benefits and avoid unexpected costs.
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Step
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What It Means
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How It Helps You Save
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1. Pay Your Monthly Premium
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A fixed monthly cost keeps your plan active.
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Predictable payments for peace of mind.
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2. Use Preventive Care
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Exams, cleanings, and x-rays are often covered 100%.
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Stops small issues from becoming big expenses.
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3. Get Additional Treatment
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Fillings, crowns, or dentures are partially covered.
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Insurance pays part of your bill, reducing cost.
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4. Maximize Annual Benefits
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Each plan has a yearly coverage limit.
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Choose the right plan based on your dental needs.
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5. Stay In-Network
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Visit Delta Dental dentists for pre-set lower rates.
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Ensures the biggest savings on every visit.
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✔ Tip for Retirees: Apply within 30 days of retirement to ensure continuous coverage and skip any waiting periods for your new dental plan.
Top dental insurance plans for seniors
Delta Dental of Iowa offers several dental plans for seniors designed to fit your needs and budget:
- Preventive Prime – Affordable coverage for routine dental care, including exams, cleanings, x-rays, and cavity repair. Best for seniors who only need preventive services.
- Preferred Prime (Most Popular) – Balanced plan covering preventive care plus restorative services like bridges and crowns. Ideal for seniors who want comprehensive coverage at a moderate premium.
- Platinum Prime – Expanded coverage with a higher annual benefit maximum and lower out-of-pocket costs. Best for seniors anticipating major dental work or needing extensive services like dentures or implants.
No matter your needs or budget, Delta Dental of Iowa has a senior dental plan to keep your smile healthy in retirement. Explore all plan details, compare benefits side by side, and find the coverage that’s right for you.
The cost of insurance for retirees
Because Medicare doesn’t include dental benefits, it’s important for retirees to compare senior dental plans and choose coverage that fits both their health needs and budget. Most plans offer affordable monthly premiums that vary based on factors like deductibles and annual benefit maximums. When you apply within 30 days of retirement, your coverage with Delta Dental of Iowa can begin the day you retire, ensuring no gap in care. Get a free quote today to see plan options side by side and find the right fit for your smile.
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Sign up today for dental insurance for retirees
Living well in retirement means keeping your smile healthy. Protect your teeth and your budget with Delta Dental’s affordable dental insurance for seniors.
Start your retirement with confidence. Your smile and your wallet will thank you.
*Your risk of cavities increases with age. (ADA Mouth Healthy)
**Based on Delta Dental of Iowa claims data, 9/1/17–8/31/18. Examples are based on all group and individual members, age 55+ with plans in effect during this time period. Members should not expect exact same results (or payments).