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Dental insurance

Retirees and seniors

Your smile doesn’t have to retire when you do. It’s important to keep yours healthy as you enter the next chapter of your life.  A dental plan from the nation’s leading provider of dental coverage can help you care for your smile and continue to express your true self.  In fact, a healthy smile is linked to better overall health and well-being.



Why is it important to have dental insurance when you retire?

Maintaining a healthy lifestyle and good oral hygiene can have tremendous impact on your life expectancy and your quality of life. Having dental insurance throughout retirement can keep you on the right track with accessibility to routine dental care and procedures to keep your smile healthy.

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    Help mitigate common problems: Gum disease (68%) and dry mouth (30%) are widespread among Americans 65 and older. In addition, people over 65 are more susceptible to oral cancer.

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    Get access to quality dentists in your area: More than 1 in every 4 seniors have not visited their dentist in the last five years. Insurance from Delta Dental makes it simple to choose a local dentist from the largest network nationwide.

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    Maintain your overall wellness: Studies show a strong correlation between dental health and overall health.

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    Take control of your costs: Dental insurance typically covers services from routine cleanings and checkups to major procedures – so you can take control of your health and be prepared for unforeseen expenses

Did you know?

Seniors have special dental challenges, including:

  • Greater risk of tooth rot or decay if gum tissue has receded
  • Faster plaque build-up
  • Maintaining daily dental hygiene habits with mobility or vision challenges

A lack of adequate saliva flow makes a person more vulnerable to gum disease and tooth decay.  Since we tend to require more regular medications as we age, it is important to inform your dentist about any prescription or non-prescription drugs that you are using so they can monitor your oral health.

Original Medicare and Medigap do not cover routine dental care.  Only certain Medicare Advantage policies include dental coverage.

If you have Medicare without dental insurance, you can reduce costs and meet this important need with individual dental coverage.

Common procedure costs*

Denture – lower removable

$1,050 - $2,300

Denture – upper removable

$1,100 - $2,500

Periodontal cleaning

$120 – $200

Periodontal scaling and root planning (per quad)

$210 -$330

Tissue (gum) graft

$370 – $1,340


$900 – $2,000

To learn more about the potential cost of other dental procedures, please check out our Dental Care Cost Estimator.  To see a list of plans that we offer, please visit the individual dental insurance plan page. 

*Based on internal data between Dec 2018 and May 2019 

Shop for a plan to help keep your smile healthy.

Delta Dental companies offer individual dental plans in most states. Enter your state to learn more.  


You will be directed to your local Dental Dental website.

Dental plan resources

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