Considerations When Selecting Dental Coverage in Retirement

1. Contact your current dentist and/or specialist’s office: 

• Obtain a list of preferred dental plans: verify dental network on plan website and obtain multiple quotes online 
• Inquire about discount plans and/or senior discount for self-pay

2. Determine which dental services are important to you: 

• Preventative 
• Basic restorative 
• Major restorative 
• Orthodontics 
• Dentures 

Note: Waiting periods may apply prior to your plan covering the cost of certain services

3. Consider plan costs:  

• Premium 
• Deductible 
• Co-insurance 
• Annual dental plan maximum benefit  (often times the annual maximum amount paid by the dental plan is $1,000, $1,250 or $1,500)

4. Consider plan options including, but not limited to:  

• Dental Insurance [Dental preferred provider organization (PPO) or Dental health maintenance organization (DHMO)] 
• Discount Dental Programs 
• Dental Savings Programs offered by your dental provider 
• Self-pay