4 (Imperfect) Ways Retirees Can Pay for Dental Care

Since Medicare doesn't provide dental benefits, seniors must consider other options to cover this need.

A woman sits in a dentist's chair smiling into a mirror.
(Image credit: Getty Images)

Getting dental insurance in retirement is complicated even though seniors are prone to dental health problems. About 20% of adults 65 and older have untreated tooth decay, 68% have gum disease, and almost 1 in 5 have lost all their teeth, according to the Centers for Disease Control and Prevention (opens in new tab). Because original Medicare doesn't cover dental care, seniors who want dental insurance must get it through a Medicare Advantage plan or buy individual dental coverage. Even then, the plans may have restrictions that leave seniors underinsured.

Senior Retirement Editor, Kiplinger.com

Jackie Stewart is the senior retirement editor for Kiplinger.com and the senior editor for Kiplinger's Retirement Report.