Dental Insurance for Retired Teachers A Guide to Coverage

As a retired teacher, you're likely aware that dental insurance can be a vital part of maintaining your oral health and overall well-being. You're eligible for Medicare, but it doesn't typically cover dental care.

Many retired teachers are surprised to learn that they can purchase dental insurance through the same company that provided coverage during their working years. This continuity of care can be a significant advantage.

Retired teachers can choose from a range of dental insurance plans, including those that offer comprehensive coverage and others that focus on preventive care. Some plans may also offer discounts for services such as cleanings and fillings.

For example, the Aetna Dental plan offers coverage for routine cleanings, fillings, and extractions, as well as more complex procedures like crowns and root canals.

Retired teachers can purchase dental insurance through the Federal Employee Dental and Vision Insurance Program (FEDVIP). This program offers various dental plans from multiple insurance companies.

Many plans have a maximum out-of-pocket expense, which can range from $1,000 to $3,000 per year.

Retired teachers can also purchase dental insurance through private insurance companies, such as Humana and Aetna.

Some plans may have a waiting period before coverage begins, typically 12 to 24 months.

Dental insurance premiums can vary depending on the plan and the retiree's age. For example, a 65-year-old retiree may pay more for dental insurance than a 60-year-old retiree.

Upper dentures are a common solution for retired teachers who have lost most of their natural teeth. They can be removable or fixed, depending on the individual's needs.

Removable upper dentures are a popular option because they are more affordable than fixed dentures. The cost can range from $500 to $2,000.

Fixed upper dentures, also known as implant-supported dentures, are more stable and secure than removable dentures. They require several dental implants to be placed in the jawbone.

The American Dental Association recommends that retired teachers with upper dentures visit their dentist every six months for a check-up and cleaning. Regular cleanings can help prevent oral infections and gum disease.

Upper dentures can be made from a variety of materials, including acrylic, ceramic, and porcelain. Each material has its own advantages and disadvantages.