Seniors face distinct disadvantages when it comes to covering the cost of dental care:

Seniors typically have a fixed income, so money can be tight.

Original, aka traditional, Medicare typically doesn’t cover dental care.

Retirees typically don’t have employer-sponsored dental insurance to help with their dental bills.

These out-of-pocket dental care bills can be a shock to new retirees. Nearly 40% of seniors did not have dental coverage in 2023 (after accounting for those with Medicare Advantage plans), the American Dental Association finds in a 2026 report.

The Centers for Medicare & Medicaid Services has made changes to add more dental…

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