ºüÀêÊÓƵ

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 ...
ï‚„ Look for coverage that helps pay for major services. Some plans may limit the number of
procedures — or pay for preventive care only.
ï‚„ Look for coverage with no deductibles. Some plans may require you to pay hundreds out of
pocket before benefits are paid.
ï‚„ 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.
The best way to prevent large dental
bills is preventive care. The American
Dental Association recommends
checkups twice a year.

Treatment is expensive —
especially the services people
over 50 often need.
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, 2024. 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 of�ce �les
the claims, leaving me with
very little balance to pay.�
Dorothy P., TN

ï‚£ Go to any dentist you want

ï‚£ Helps pay for over 400 procedures

 No deductible, no annual maximum on cash bene�ts


Call for a FREE Information Kit!

1-866-440-3553
Dental50plus.health/stlouis
Product/features not available in all states. Contact us for complete details about this insurance solicitation. To �nd a network provider, go to physiciansmutual.com/�nd-dentist.
This speci�c offer not available in CO, LA, NV, NY – call 1-800-969-4781 or respond for a similar offer in your state. Certi�cate C254/B465, C250A/B438 (ID: C254ID; PA: C254PA); Insurance
Policy P154/B469, P150/B439 (GA: P154GA; NY: P154NY; OK: P154OK; TN: P154TN).

6247-0324