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senior in dentist chair

Dental insurance coverage for seniors

Being an older adult today can mean living well into your 80s. Modern medicine, safer homes, jobs and cars, and more knowledge about health and wellness means we are living longer, more active lives than ever before. That’s good news! As the life expectancy of Americans continues to lengthen, more people are keeping their natural teeth longer. Maintaining healthy dental habits in retirement can positively impact your overall health. That’s why continuing routine dental care and dental appointments are so important.

Thinking about retirement? There is a long list of considerations. If you’ve always been on your employers’ dental plan, you may not have thought about purchasing dental insurance for coverage after you retire. Now might be the perfect time to research dental insurance if you or someone you know is thinking about retirement.

Regardless of your current age, all adults over 50 will start to think about insurance for themselves or perhaps a parent, in the next few years. As you consider retirement benefits and medical insurance, it’s important to remember dental coverage. Routine dental care is not covered under Original Medicare. And unless you have an employer that provides retiree dental coverage, you may need to consider purchasing a dental insurance plan.

Why is dental insurance important for older adults?

Oral health has significant impact on your overall health. As you age, your risk of cavities increases* – more than one-third of Delta Dental of Iowa members 55+ had at least one filling over the last year. Consider the average costs** of routine dental procedures vs. those covered by insurance:


Average Cost

Cost for Delta Dental of Iowa Members







Multiple Crowns



There are many options to consider when looking for dental coverage. Delta Dental of Iowa offers a variety of dental plans with coverage options from basic dental care to more extensive coverage based on your budget and your health care needs. Low monthly rates help you prioritize your dental health and keep your smile bright for years to come. With Delta Dental of Iowa you can get a quote online and even sign up the same day. You can also review the plan options to see which coverage is right for you.

What does dental insurance cover?

As you’re looking for a dental plan that meets your needs, think about your dental history. Have you kept up with regular appointments or do you expect to have significant dental work in the near future? You’ll want to choose a plan that covers dental office visits, exams, cleanings and xrays. Then depending on your dental health, you may want to upgrade to a plan that covers some of the costs for fillings, root canals, implants and denture repair. If you are looking to purchase dental plan and would like more information, check out Delta Dental's insurance plan for seniors.

The cost of insurance for retirees

Since there isn’t a Medicare dental benefit, individuals considering retirement should compare dental insurance plans to see which coverage options work best for their health care needs and their budget. Most plans offer monthly payments which vary based on coverage options such as deductibles and maximum benefits. Your coverage with Delta Dental of Iowa is guaranteed to be in force the day you retire if you apply within 30 days of your retirement. To learn more about the cost of  Delta Dental’s plans, get a quote now. It’s easy to compare plan options.  

Sign up for dental insurance coverage today

Living a long healthy life and enjoying your retirement means protecting your smile and your dental health. It’s important to take care of your daily dental needs like brushing and flossing as well as seeing your dentist twice a year for exams and cleaning. Delta Dental of Iowa can help you find an individual dental insurance plan that meets your health care needs and your budget. And since 9 out of 10 Iowa dentists are Delta Dental providers, there’s a good chance yours is too. Even if your current dentist isn’t in the network, you’ll still receive valuable coverage. It’s easy to get a quote, compare coverage and enroll in a dental plan today.

*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).