Retirement is a time to relax and return to the hobbies and skills that make you happy. While exploring new interests, make sure to keep your body and mouth healthy, too. One aspect of retirement that you may not have considered is losing employer-sponsored benefits, including your dental coverage. You’ve maintained a healthy smile for years—just because you’re retiring doesn’t mean you need to retire your oral health! So what options are out there when employer-sponsored dental benefits are no longer an option?
Many Americans defer to Medicare for their health coverage in retirement. But basic Medicare only covers dental procedures if you need an oral exam in the hospital. Even then, there are further stipulations.
For dental care needs, Medicare Advantage may be an option. When signing up, remember that there are waiting periods ranging from six to 24 months, depending on the procedure. Some Medicare Advantage Plans provide coverage for routine dental services, like check-ups or cleanings. Coverage can vary widely from plan to plan and state to state, though. If you have a Medicare Advantage Plan, contact your plan provider to learn about covered dental services.
Medicare Advantage may be administered through a dental insurance provider like Delta Dental. Medicare Advantage covers some out-of-pocket costs that Medicare doesn’t cover. These plans aren’t right for everyone, so look at offerings in Colorado to see what may work for you.
Planning for a Healthy Retirement with Individual Dental Coverage from Delta Dental
If you’re looking for the coverage that will most closely match what you previously received from your employer, Delta Dental’s Individual and Family™ plans will likely satisfy more. We offer affordable dental benefits directly to individuals who are looking for dental coverage outside of an employer. Individual dental plans will give you access to a large network of dentists and the coverage for preventive care that you need for a healthy smile. That means instead of waiting for a toothache, you can to see the dentist regularly.
Coverage from Delta Dental makes getting into the dentist easy. Click here to find a dentist in your area today. Dentist appointments allow a trained professional to ensure problems like oral cancer or tooth decay aren’t developing. Visits to the dentist aren’t only good for your mouth, as dental offices around the nation are adding overall health monitoring services like blood pressure checks to provide early detection of a number of diseases.
Oral health is impacted by a variety of factors, so staying on top of yours will ensure you’re not in for any surprises. As we get older, our risk of oral health problems increases. A little investment up front may save you from more costly dental treatments in the long run. Plan now for a stress-free and healthy retirement.
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