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patient and dentist reviewing an x-ray

Did You Know?

  • Without proper oral hygiene, bacteria can reach levels that might lead to oral infections, such as tooth decay and gum disease.2
  • About 2 in 3 (68%) adults aged 65 years or older have gum disease.3
  • Gum disease can be painless and have no warning signs.4

Dental Insurance for Seniors

Proper dental care is especially important for seniors since oral health is an indicator of your overall health. Dentists can often be the first ones to diagnose diseases because of signs in your mouth. So if you don't take care of your mouth now, you may be at risk for bigger health issues down the road.

Don't put your dental and overall health at risk.

According to a study by Johns Hopkins Bloomberg School of Public Health, fewer than half of older Americans have visited the dentist within the past year. Lack of dental care can cause a number of medical issues in people 65 and over.1 Studies indicate untreated dental conditions can introduce bacteria into the body that have been linked to conditions such as diabetes, pneumonia, and even heart disease.2

How will you plan to pay unexpected dental bills?

Planning ahead can be particularly important, especially if you're on a fixed retirement income. With the national average Social Security benefit at about $1,400 a month5, paying out-of-pocket for a root canal costing $900 or more, for example, can be difficult for many people. And keep in mind Medicare doesn't cover dental care.6

So, just as you would plan for unexpected medical bills, you also need to consider how you'll pay for unexpected dental bills. But there's good news. You can get help paying big dental bills with dental insurance from Physicians Mutual Insurance Company.

You can get dental insurance for seniors that offers:

  • Helps cover over 350 procedures
  • Preventive services that you can use right away
  • Benefits for a wide range of dental procedures, like cleanings and fillings to crowns and dentures
  • No deductible and no annual maximums on the cash benefits you can receive
  • Freedom to choose any dentist, but if you choose a dentist in our network, you can save on covered services

Learn more about dental insurance from Physicians Mutual Insurance Company and take charge of your dental health in retirement.

I've had my Physicians Mutual dental policy for a couple of years. I must say — I'm happier with my Physicians Mutual plan than any other coverage I've had.

Many other dental insurance plans stop paying benefits after you reach $1,000 in covered services. I LOVE that this plan keeps paying benefits after I've passed $1,000. I'm so glad I bought it!

Thanks again.

— Gordon G.
Member of our family since 2016

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Information from:

1 "Few Older Americans Have Dental Insurance,", Johns Hopkins Bloomberg School of Public Health, Dec. 5, 2016, Accessed Aug. 17, 2018

2 "Oral Health: A Window to Your Overall Health," Mayo Clinic,, April 30, 2016, Accessed Aug.16, 2018

3 "Facts About Older Adult Oral Health," Centers for Disease Control and Prevention,, May 2, 2018, Accessed Apr. 10, 2019

4 "Gum Disease," Mouth Healthy,, Accessed April 17, 2018, Accessed April 17, 2018

5 "This Is the Maximum Social Security Retirement Benefit Payable in 2018," USA Today,, Dec. 4, 2017, Accessed Aug.16, 2018

6 Centers for Medicare & Medicaid Services, 2017

Arizona resident limitations

New York resident limitations

Quote includes the Designated Participating Providers and Preventive Benefits Rider.

This coverage and offer are not available in all states. Please contact us to see what coverage may be available in your area.

Important Disclosure Information

Insurance Certificate C250A (ID: C250E; PA: C250Q); Insurance Policy P150 (FL: P150FL; GA: P150GA; NY: P150NY; OK: P150OK; TN: P150TN; TX: P150TX)