Why Dental Insurance Still Matters After 60
Dental health is closely linked to heart health, nutrition, and overall wellness. Unfortunately, most retirees don’t realize that Original Medicare does not cover routine dental care.
That’s why having a dental insurance plan—or an alternative savings option—is critical for maintaining your smile and your health.
Top Dental Insurance Plans for Seniors
- AARP/Delta Dental: Popular for affordable premiums and wide network access. Covers cleanings, X-rays, and basic procedures.
- Humana Dental: Known for preventive-focused plans with low monthly premiums and discount programs.
- UnitedHealthcare Dental: Offers stand-alone plans and options bundled with Medicare Advantage.
- Cigna Dental: Great for no-deductible preventive care and competitive pricing on crowns and dentures.
- DentalPlans.com: Membership-based discount plans accepted at thousands of providers nationwide.
Typical Costs and Coverage Levels
| Service | Covered? | Average Out-of-Pocket Cost (with Insurance) |
|---|---|---|
| Cleanings & X-rays | Yes | $0 – $50 |
| Fillings | Yes (usually 50–80%) | $20 – $150 |
| Crowns/Dentures | Partially | $200 – $800 |
Medicare and Dental Coverage in 2025
👉 See Medicare dental coverage info here
Original Medicare (Parts A & B) does not cover dental. However, many Medicare Advantage (Part C) plans now include dental benefits. These may cover:
- Preventive cleanings and checkups (2/year)
- X-rays and fluoride treatments
- Basic fillings and extractions
- Some coverage for dentures and bridges
Always review your plan details or speak with an agent to confirm what’s included and any annual maximums.
How to Save on Dental Care Without Insurance
- Visit dental schools for discounted cleanings and procedures
- Use discount plans like Careington or DentalPlans.com
- Ask your provider for a senior or cash-pay discount
- Look into free dental clinics through local health departments
Final Thoughts
Good oral health supports better aging. With the right dental coverage—or a smart savings strategy—you can avoid painful surprises and high out-of-pocket bills.
