What do retired people do for dental?

Asked by: Americo Thiel  |  Last update: August 2, 2025
Score: 4.7/5 (51 votes)

Dental Coverage for Retirees: FAQs What are my options? Medicare does not cover most dental services. You can purchase dental coverage in one of the following ways: Look for a Medicare Advantage plan that includes dental benefits.

How do retired people get dental care?

If you can afford it, you can purchase a Medicare Part C plan that offers vision and dental coverage. That's IF you can afford it, which many people on SSDI/SS retirement benefits cannot. In some states, you can purchase stand-alone dental coverage on your state's healthcare exchange (again, if you can afford it).

Do seniors get free dental care in the USA?

Medicare does not pay for routine dental cleanings, fillings, and dentures. Medicare only covers dental-related treatment related to medical emergencies (e.g., tooth extraction prior to heart surgery). Several charitable organizations and dental societies may be able to help you pay for routine dental care.

How can I fix my teeth if I don't have money?

Check with local dental schools to see if they have a clinic. Community Health Clinics: Federally qualified health centers (FQHCs) and community health clinics often provide dental care on a sliding scale based on income. You can find one near you by visiting the HRSA website or searching for local health clinics.

Do retired veterans get free dental care?

VA offers comprehensive dental care benefits to certain qualifying Veterans. Nearly 806,000 Veterans were provided dental care in Fiscal Year 2024. To better understand if you are eligible for VA dental care, check out What VA dental care benefits do I qualify for? as well as the Dental Benefits for Veterans document.

Best Dental Plans for Seniors (DON'T Get Dental Insurance!)

37 related questions found

What dental insurance does retired military use?

Dental plans are available through the Federal Employees Dental and Vision Insurance Program (FEDVIP), offered by the Office of Personnel Management. If you're eligible, you may be able to enroll in a FEDVIP dental plan.

Does Medicare cover dental?

In most cases, Medicare doesn't cover dental services like routine cleanings, fillings, tooth extractions, or items like dentures.

How do you get dental work if you can't afford it?

Federally Qualified Health Centers

A Federally Qualified Health Center (FQHC) can provide dental services for you or your family, regardless of your ability to pay. Services are offered on a sliding scale based on your income.

What is the cheapest way to get your teeth fixed?

The cheapest way to fix teeth involves basic restorative procedures like fillings or extractions. Preventative care, such as regular cleanings and check-ups, can save money in the long run by preventing more serious issues.

What if my tooth breaks and I have no insurance?

Community Health Centers: Federally funded health centers often provide low-cost dental services, and fees are usually based on your income. Free Clinics: Some charities, faith-based organizations, and professional dental organizations provide free or low-cost dental clinics for those without insurance.

Can seniors get their teeth replaced for free?

In many cases, dental care, including procedures like dental implants, may be covered under certain healthcare programs for seniors, such as Medicare in the United States or similar programs in other countries. However, it's essential to note that the coverage for dental implants under these programs can be limited.

What is the best dental for seniors?

The Highest-Ranked Senior Dental Plans for 2025
  • Cigna - Best App.
  • Mutual of Omaha - Best coverage without waiting periods.
  • Aetna - Most Comprehensive Plans.
  • Spirit Dental & Vision - Best Loyalty Program.
  • Humana - Best Coverage.

Does AARP cover dental?

The AARP Dental Insurance Plan offers a wide range of coverage and rates that may fit the needs of you and your family. With the plan, you can: Gain access to large dentist networks. Get a fixed rate for two years.

Do dentists give senior discounts?

Being a senior has its perks! Many dental offices extend complimentary senior discounts or a price reduction if you pay with cash.

Does Social Security help with dental?

While SSDI offers a range of benefits, dental insurance is not typically included. This can be a surprising and frustrating reality for many beneficiaries, especially those who require regular dental care.

What is the best insurance to have for dental?

Best Dental Insurance Companies for January 2025
  • Best Overall and Best for Braces, Implants, and Older Adults: Delta Dental.
  • Best Overall Cost-to-Value: Physicians Mutual.
  • Best for No Annual Maximum: MetLife.
  • Best for No Waiting Period: Anthem Blue Cross Blue Shield.
  • Best for Customer Satisfaction: DentaQuest.

How do I get my tooth fixed if I don't have money?

Public Dental Clinics

Many charge low, fixed prices or sliding fees based on how much you can afford. Most clinics offer exams, cleanings, X-rays, root canals, fillings, crowns, and surgical tooth extractions. Some may have emergency dentists on call. Some clinics charge sliding fees based on how much you can afford.

How much does it cost to fix teeth without insurance?

The cost of fillings without insurance has a much larger range, from $200 to $400. Root canals vary depending on which tooth needs work but can cost anywhere from $700 to $2,100. Without insurance, the average cost of a crown is around $1,093.

What is the cheapest option for bad teeth?

Removable Partial Dentures (RPDs): These are often the least expensive option for patients missing only a few teeth. They're easy to care for and can be replaced or adjusted as needed. Snap-on Dentures: While not as inexpensive as RPDs, snap-on dentures offer a balance of affordability and stability.

What can I do if I have a bad tooth with no money?

If you have an infected tooth and no money, a few things you can do include: Contact your local dental society or health department. They may be able to refer you to a dentist who offers free or low-cost dental care.

How to go to the dentist without insurance?

Dental school clinics and community health centers can be good options for finding quality dental care at reduced prices. Dental savings plans and membership programs can offer major discounts on procedures such as exams, cleanings, and fillings. They charge an annual fee.

How do people afford a lot of dental work?

Personal Loan

Because of this flexibility, many people use personal loans to pay for out-of-pocket medical expenses. Using a personal loan to finance dental work might be a better option than a credit card. The lower the interest rate, the lower your monthly payment.

What is the best dental plan for seniors on Medicare?

“My top picks for Medicare Advantage dental insurance include UnitedHealthcare, Cigna, Aetna, Humana and Devoted Health. These companies provide notable dental coverage, and there are different advantages for each. It's important to consider the insurance that the dentists in your area accept and the coverage provided.

Are dental implants free for seniors on Medicare?

Original Medicare excludes dental implants, covering them only in rare cases tied to medical treatment, like cancer care or accident recovery. Medicare Advantage plans can include implant coverage, but availability and benefits differ, making it essential to compare plans carefully.

How to get dentures for free?

How to Get Dentures For Free Or At A Discount
  1. Local Health Departments. ...
  2. Community Health Centers. ...
  3. Dental Schools. ...
  4. Clinical Trials. ...
  5. Dental Lifeline Network. ...
  6. Medicare. ...
  7. PACE (Program Of All-Inclusive Care For The Elderly) ...
  8. Medicaid Coverage.