Dental Insurance Plans for Oregon and Washington
Original Medicare does not cover routine dental care. And for many on Medicare, that becomes a problem once employer dental benefits disappear.
We help you find a
dental insurance plan that fits your lifestyle, oral health needs, and budget—with local support and clear explanations. Whether you need preventive care or major dental work, we’ll explain your options in a way that makes sense.
Why Dental Coverage Matters in Retirement
Medicare Leaves a Gap in Dental Coverage
Most people are surprised to learn that Medicare does not cover cleanings, exams, dentures, or root canals. Unless you have a Medicare Advantage plan with dental benefits—or a separate dental policy—you’re responsible for those costs.
Oral Health Affects Overall Health
Dental care becomes even more important as we age. Poor oral health has been linked to heart disease, diabetes, and infections. Preventive visits help catch issues early before they become painful or expensive.
How Most Dental Plans Work
Dental plans typically divide services into three coverage categories:
- Preventive Care: Cleanings, exams, X-rays — usually covered at 80–100%
- Basic Services: Fillings, simple extractions — often 50–80% covered
- Major Services: Crowns, dentures, bridges — may have waiting periods or lower reimbursement rates
We’ll help you find a plan that balances affordability with the benefits you need.
Types of Dental Insurance We Can Help You Compare
We work with several companies that offer family-friendly dental plans in Oregon and Washington. You’ll choose between options like:
- PPO Plans: Choose from a broad network of providers, more flexibility
- HMO Plans: Lower monthly premiums but fewer provider choices
- Indemnity Plans: See any dentist, benefits are paid on a fee schedule
Some choose dental-only plans. Others bundle dental with vision or hearing benefits for convenience. Some may choose to add additional family members to their plan. We'll walk through your options and help you understand what’s covered—and what’s not—before you enroll.
Dental Coverage Questions We Are Often Asked
Does Medicare cover dental services?
Not routine care. Medicare doesn’t cover cleanings, dentures, or fillings. Learn more on our Medicare Basics page.
What if I already have a Medicare Advantage plan?
Some Advantage plans include dental—but it’s often limited. We can help you see if your coverage is enough or if a standalone plan makes sense.
How can I get dental insurance in retirement?
We compare multiple dental plans in Oregon and Washington to help you find one based on your needs and budget.
Can I bundle dental with vision?
Yes, many plans allow bundling. Visit our Vision Insurance page for more.
Source Attribution:
This information was obtained from www.medicare.gov.