ADVERTISEMENT 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 — without dental insurance, there may be an important gap in your healthcare coverage. When you’re comparing plans …  Look for coverage that helps pay for major services. Some plans may limit the number of procedures — or pay for preventive care only.  Look for coverage with no deductibles. Some plans may require you to pay hundreds out of pocket before benefits are paid.  Shop for coverage with no annual maximum on cash benefits. Some plans have annual maximums of $1,000. Medicare doesn’t pay for dental care.1 Previous dental work can wear out. That’s 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’ve had quality dental work in the past, you shouldn’t 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. Treatment is expensive — especially the services people over 50 often need. The best way to prevent large dental bills is preventive care. The American Dental Association recommends checkups twice a year. 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’re on a fixed income. 1 “Medicare & You,” Centers for Medicare & Medicaid Services, 2025 2 “Aging changes in teeth and gums”, 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 Helps keep more money in your pocket! “Absolutely love” “I absolutely love my dental insurance. My dental office files the claims, leaving me with very little balance to pay.” Dorothy P., TN  Go to any dentist you want   Helps pay for over 400 procedures   No deductible, no annual maximum on cash benefits  Get your Info Kit SCAN NOW! Call for a FREE Information Kit! 1-855-577-2168 Dental50plus.health/QuadCT Product/features not available in all states. Contact us for complete details about this insurance solicitation. To find a network provider, go to physiciansmutual. com/find-dentist. This specific offer not available in CO, LA, NV, NY – call 1-800-969-4781 or respond for a similar offer in your state. Certificate C254/B465, C250A/ B438 (ID: C254ID; PA: C254PA); Insurance Policy P154/B469, P150/B439 (GA: P154GA; NY: P154NY; OK: P154OK; TN: P154TN). 6247-0225