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Why you need dental insurance in retirement.
Many Americans are fortunate to have dental coverage for their entire
working life, through employer-provided benefits. When those benefits
end with retirement, paying dental bills out-of-pocket can come as a
shock, leading people to put off or even go without care.
Simply put 鈥� without dental insurance, there may be an important gap
in your healthcare coverage.

When you鈥檙e comparing plans ...
飩� Look for coverage that helps pay for major services. Some plans may limit the number of
procedures 鈥� or pay for preventive care only.
飩� Look for coverage with no deductibles. Some plans may require you to pay hundreds out of
pocket before benefits are paid.
飩� Shop for coverage with no annual maximum on cash benefits. Some plans have annual
maximums of $1,000.

Medicare doesn鈥檛 pay for
dental care.1

Previous dental work
can wear out.

That鈥檚 right. As good as Medicare is,
it was never meant to cover everything.
That means if you want protection, you
need to purchase individual insurance.

Even if you鈥檝e had quality dental work in
the past, you shouldn鈥檛 take your dental
health for granted. In fact, your odds of
having a dental problem only go up as you
age.2

Early detection can prevent
small problems from
becoming expensive ones.
The best way to prevent large dental
bills is preventive care. The American
Dental Association recommends
checkups twice a year.

Treatment is expensive 鈥�
especially the services people
over 50 often need.
Consider these national average costs of
treatment ... $222 for a checkup ... $190 for
a filling ... $1,213 for a crown.3 Unexpected
bills like this can be a real burden,
especially if you鈥檙e on a fixed income.

1 鈥淢edicare & You,鈥� Centers for Medicare & Medicaid Services, 2024. 2 鈥淎ging changes in teeth and gums鈥�, medlineplus.gov, 4/17/2022. 3 American Dental Association, Health
Policy Institute, 2020 Survey of Dental Fees, Copyright 2020, American Dental Association.

DENTAL Insurance

from Physicians Mutual Insurance Company

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Dental50plus.health/stlouis
Product/features not available in all states. Contact us for complete details about this insurance solicitation. To 铿乶d a network provider, go to physiciansmutual.com/铿乶d-dentist.
This speci铿乧 offer not available in CO, LA, NV, NY 鈥� call 1-800-969-4781 or respond for a similar offer in your state. Certi铿乧ate C254/B465, C250A/B438 (ID: C254ID; PA: C254PA); Insurance
Policy P154/B469, P150/B439 (GA: P154GA; NY: P154NY; OK: P154OK; TN: P154TN).

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