Betty just retired and enrolled in a Medicare Advantage plan, but she only receives limited dental benefits through the program.
I am enjoying my life as a new retiree and am excited to spend unlimited time gardening with my husband and going for long hikes. As soon as we decided to retire, I signed us up right away for a Medicare Advantage plan. But we’ve learned that our Medicare plan really doesn’t cover most of our needs. As we age, I want to make sure that our teeth are well taken care of and covered so that we don’t rack up a huge dental bill later. As someone who likes to know upfront exactly how much something costs, I knew that this plan was the best fit for our dental and budgeting needs.
Delta Dental - Clear Retiree Plan
Our No Guessing, No Wait Plan
Our Clear Plan is designed for those who want to know their exact out-of-pocket treatment costs and are looking to start their dental coverage the month after they enroll. With set dollar amounts, you can easily plan and track how much you are investing into your oral health.
José needs a few dental procedures done that are not covered by Traditional Medicare.
When I enrolled in a traditional Medicare plan at age 65, I was shocked to learn that dental benefits were not included. I thought Medicare was built to help me with all my healthcare needs as I age. While I haven’t encountered many dental issues overall, my dentist told me I need a couple of fillings and a root canal. I am on a limited income, so I want to make sure I invest in a dental plan that is intuitive, affordable, and inclusive of my dental needs. I am glad I found a plan where I don’t have to estimate costs and thus know exactly how much my next treatment is going to cost!
*Personas are fictional and only intended to represent possible oral health needs and situations. They are not inclusive of all needs or circumstances.
Monthly Premium Eastern/Western WA |
Plan Year Maximum |
Shared Maximum Benefit |
---|---|---|
Individual Starting Ratei for individuals ages 51+ $41.90 / $52.65 Actual rate may be lower depending on age |
None | None |
Deductible |
Office Visit Copay |
Preventive Care Cleanings, exams, x-rays and fluoride |
None | None | $65 Copay |
Fillingsi | Crownsii | Root Canal |
$115 Copay | $740 Copay | $535 Copay 2 teeth in 12 months after purchase or renewal, once per tooth every two years after |
Non-Surgical Extractions | Periodontal Maintenance | Orthodontics |
$115 Copay | Included in Preventive Care Visit | Not Covered |
Annual Contract | Waiting Periods | |
Yes | None |
This Plan | |||
---|---|---|---|
Clear Plan | Enhanced Plan | Ascent Plan | |
Description | No guessing, fixed-out-of-pocket costs, no waiting periods or dollar maximums. | 100% coverage on most preventive care services and 50% on most major procedures. | No waiting period and coverage that increases over the first two years you renew. |
Monthly Premium Eastern WA |
$41.90i Starting rate for Individuals ages 51+ Actual rate may be lower depending on age |
$52.35i | $56.10i |
Monthly Premium Western WA |
$52.65i Starting rate for Individuals ages 51+ Actual rate may be lower depending on age |
$60.25i | $64.50i |
Plan Year Maximum per person |
None | $1000 | 1st Year, 2nd Year, 3rd Year $1000/$1250/$1500 |
Shared Maximum Benefit | None | None | None |
Deductible | None | $50 | $50 |
Office Visit Copay | None | None | None |
Preventive Care Cleanings, exams, x-ays, and fluoride |
$65 Copay |
100% | 100% |
Fillings | $115 Copay |
50% | 1st Year, 2nd Year, 3rd Year 50%/60%/70% |
Crowns | $740 Copayii 1 crown per person per 12-month policy period |
50%iii | 50%iii |
Root Canal | $535 Copayiv 2 teeth in 12 months after purchase or renewal, once per tooth every two years after |
50% | 50% |
Implants | $2600 Copayii | 50% | 50% |
Non-Surgical Extractions | $115 Copay |
50% | 50% |
Surgical Extractions | $230 Copay | Not Covered | Not Covered |
Periodontal Maintenance | Included in Preventive Care Visit | 50% | 1st Year, 2nd Year, 3rd Year 50%/60%/70% |
Orthodontics | Not Covered | Not Covered | Not Covered |
Cosmetics | Not Covered | Not Covered | Not Covered |
Annual Contract | Yes | Yes | Yes |
Waiting Periods | None | May Apply | None |
i These are benefit highlights only. Monthly premiums shown are examples of monthly rates for subscriber-only in Washington, effective January 2025. Actual rates may vary (higher or lower) based on plan effective date, plan choice, your age, your location, number of people insured, their age, and relationship to you. For full details of plan, benefits, and pricing, please visit DeltaDentalCoversMe.com.
ii A predetermination is suggested. Clinical requirements must be met, 1 crown per person per 12-month policy period.
iii Clinical requirements must be met, crowns covered at 50% per tooth every seven years.