You Better Have a Plan For Dental Costs In Retirement!

Have you considered the costs to maintain your teeth in retirement? I bet not.

Medicare doesn’t cover this. But you’ll probably need some services. And those services aren’t cheap!

Prepare accordingly.

15 Replies

  1. Jon L Reply

    Valuable information. Thanks.

  2. Tammy Jo Reply

    Another option… There are FQHC (federally qualified health centers) around the US and they have dental clinics. Depending on your AGI you may qualify for a sliding fee discount. Ex: single person AGI would need to be under 13,000 and you can get your dental work done for $15 a visit. Discounted prices on dentures and crowns. They have different slides depending on household size and income. The dentists that work for these companies are very qualified. They usually go work for them right out of college to get the loan forgiveness program. Obviously do your research on the clinic you are looking at going to so you don’t get a bad one, but I think most people do that these days with any healthcare provider. 🙂

  3. Bruce Smith Reply

    Thanks Josh dental issues are huge now adays

  4. Norituck Reply

    Two other options…1. get dental work done in Mexico at 75% less. 2. look for a local dental school at half the price.

  5. Randy Pahal Reply

    No wonder why there's 1000 dental offices right across the border.

  6. Robert Lindefjeld Reply

    I am funding dental with my HSA, which I am allowing to grow (should be sizable by then if you smartly don’t tap into it when younger and can use it to pay cash when older). HSA money is withdrawn tax free. Also, my long-time dentist gives seniors a 30% “loyalty” discount. Also, I understand that most dental school provide free care. I am not sure what VA provides.

    Rob L.

  7. J Lee Reply

    My 95 year old neighbor spent $25,000 this since Jan 1 on her teeth. She gets regular dental cleanings and does take care of her teeth, but had implants place years ago while taking a bone strengthening medication, BONIVA. It caused her jaw to become brittle and she lost many of her teeth. This year it all came to a head and she was shocked at the price…this is her regular dentist whom she has been with for 15 years. She is from England and moved her in 1954 when she worked for Barclays Bank in New York City. She is terrified by the dental costs and now is considering moving back to England. She is very fit, walks three miles per day and eat healthy. She puts many younger people to shame as far as the rest of her health issues, which are few.

  8. J Lee Reply

    Also Cigna Plus costs about $125.00 -per year. The rates are already negotiated down. You pay upfront at the time of service, but participating dentists accept the fees and they are not filed. is also a similar type of plan.

    As a former nurse, I now work three days a week for an oral surgeon and dental insurance such as Blue Cross/ Blue Shield, Delta Dental, Aetna, and Met Life do not usually allow more than $2400 in costs per year. They also will not usually pay much for crowns…and many dental plans will pay nothing for crowns, implants, night guards, etc. Dental insurance is best for routine cleanings–usually twice per year, so stay on top of those. Fillings are also usually covered somewhat….Flouride Treatments are not usually covered. Try to stay away from eating hard candy, ice, and please floss and brush your teeth twice per day or ideally after every meal if possible and brush your tongue! A low sugar diet makes a big difference too. We see a lot of chipped and cracked teeth–often from old fillings which become loose and make the tooth weak. I am furious that Medicare does not pay for any dental care as dental care is so important for one's overall health.

  9. John C Reply

    We made sure that our Medicare Advantage Plan included an option for all the routine preventive dental care you shown in your video. We visit our dentist twice a year, for cleaning and a yearly x-ray. Your teeth are just the "first stop" in your digestive system. If you don't take care of your teeth, the rest of your digestive system (and your entire body) will suffer over the long term. My sister, who doesn't have dental coverage on her Medicare, has had thousands and thousands of dollars of dental work done (paid for by my mother). My mother, hadn't visited a dentist for at least 10 years and lost all her upper teeth. She also never had any dental coverage after retirement. Preventive care, combined with dental insurance available as a separate policy or part of a Medicare Advantage plan (our choice), is what my wife and realized was an essential expense.

  10. Steve Wood Reply

    I'm 54 and was starting to run into a few issues that required crowns and repair. A friend of mind in Thailand recommended I go there as part of a vacation for the dental work and it was absolutely fantastic. The cost savings from the great dental work performed more than paid for the 10 day vacation. I was highly skeptical at 1st until I realized that the dentist was trained in the US. Now I understand why Americans are traveling more and more for medical and dental tourism

  11. Harry Langley Reply

    What about the so called dental discount plans I've been hearing about. is one of them. If your insurance is only going to pay$1000 and you need any amount of significant work done, the discount plan maybe worth looking into.

  12. Steve Cox Reply

    Forgo the dental ins. Find the best dentist in town and pay cash from your HSA for your biannual checkup, xrays, cleanings. Anything else, a flight to CostaRica is $240 from ATL. Cheaper from Tampa… Board certified dentist trained in the US of A will take care of you and you can recover on the beach. Don't believe fear stories. If they are board certified and were trained in the US, its no more dangerous than going to your local US based dentist. Well, except for the price… and the vacation…
    Off topic, but if your dentist makes you wait more than 3 minutes in the waiting room, find a new one. There's absolutely no reason we should have to wait in Dr or Dentist offices with todays modern scheduling and validation of appointments. Your dentist should respect your time. Luckily, I found a great one.

  13. billyrayband Reply

    If your primary care physician checked out your body to the same level the dentist does your teeth, they would find many serious problems needing attention. There is also the issue of oral medical issues (covered by health insurance) vs non medical (not covered) is very confusing. Dentists have created quite a lucrative racket in cahoots with insurance companies. And now they scare you with claims if you don't listen and follow their lectures, it will cause your whole body to crap out. But in retirement, yes few have good dental coverage. The coverage provided by most is very bad, you are mostly paying for your cleanings and X-rays, not crowns, etc.

  14. We use Costco. About 10 to 15 bucks a month. We made sure our dentist accepts it and we were done. Cleaning are free. The most important aspect is that we took care of crowns, implants, and other work before retirement.