As you were planning for retirement, you probably thought a lot about making sure you would have enough income to cover your medical expenses. However, dental care during retirement is an often-overlooked expense that can take a serious bite out of your hard-earned retirement income.
Retired physicians may be surprised to find out those twice a year visits to your dentist’s office are not covered under traditional Medicare. Medicare supplement plans don’t include dental insurance either. And although some Medicare Advantage managed care plans offer dental benefits, both the network and the coverage could be very limited.
Protect Your Nest Egg and Your Smile
Dental problems can be unpredictable and expensive. Over time old fillings and crowns wear down or break suddenly and need to be replaced. Periodontal disease is especially common in our later years and can be very costly to treat.
A recent study examined the annual out of pocket spending for Medicare beneficiaries ages 65 and over. Because the vast majority lacked coverage, many had not even seen a dentist in the past year. For those that did receive dental care, their average annual out of pocket cost was nearly $1,000. Over the course of a 20-year retirement, that could mean losing up to $20,000 of your retirement savings.
However, as a TMA member, for a fraction of that price, you can secure dental coverage that can help protect both your smile and your nest egg.
Protection for a Lifetime
With care and protection, your teeth can last for a lifetime. With TMA Insurance Trust, your dental coverage can too. We have partnered with MetLife and Blue Cross Blue Shield of Texas to bring TMA members comprehensive dental coverage that lasts as long as your retirement.
These plans offer you the freedom to go to any licensed dentist, in or out of network. For even more savings, you can choose any network dentist.
These plans are designed to save you money every step of the way. You will receive 100% coverage on in-network preventive care, including cleanings and oral exams. For more comprehensive services, your TMA membership entitles you to valuable discounted group rates.
Still Working? We’ve Got You Covered
If you are not yet retired and operating a practice, TMA Insurance Trust advisor can help you find dental benefits for both you and your staff. If you sign up for the plan while you are still working, the coverage won’t end when your retirement begins. With TMA Insurance Trust, you can have dental coverage that lasts for a lifetime. Contact us today for a free consultation and personalized quote.
For over 60 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with exclusive group rates on a range of the highest-rated plans in the industry.