If you’ve recently retired and missed your open enrollment window, or simply didn’t realize dental insurance wasn’t included with Medicare, you’re not alone. Many retired educators and public employees are surprised to find that dental coverage doesn’t automatically continue after they leave the workforce. The good news? You likely still have options.
It can be unsettling to lose dental coverage just as you begin retirement, especially when your health feels more important than ever. The truth is, dental care becomes even more essential as we age. Yet traditional Medicare doesn’t cover routine checkups, cleanings, or major dental work like crowns or dentures. Delaying care can lead to bigger health issues and bigger bills. So if you’ve been wondering whether you can still sign up for dental insurance, the answer may bring you peace of mind.
Does Open Enrollment Apply to Dental Insurance?
“Open enrollment” typically refers to a specific period each year when individuals can enroll in or make changes to health insurance plans, such as Medicare Advantage or employer-sponsored health coverage. This window is usually limited, and missing it can mean waiting until the next cycle.
But here’s the key distinction: most individual dental insurance plans, including our offerings, can be purchased at any time during the year. Unlike Medicare Advantage or employer-provided health plans, these supplemental dental plans are not limited to a specific enrollment window.
With no medical underwriting and minimal waiting periods, it’s easy to get the coverage you need without delay. These plans are designed with retirees in mind, so enrolling after open enrollment has passed is straightforward and accessible.
It’s also worth remembering that Medicare does not cover most dental services. These retiree-focused plans help fill the gap with coverage for preventive and major care alike.
Why Now Is the Right Time to Enroll
Even if you missed open enrollment, you can still take important steps to protect your dental health. Minor dental issues can quickly grow into major health or financial burdens without timely care.
Retired educators often find themselves without dental coverage once their employment ends. An alternative solution, like a plan offered through an association, can provide practical and affordable protection. These plans typically cover:
- Twice-yearly cleanings and exams
- Fillings and extractions to take care of cavities or emergencies
- Crowns, root canals, and dentures for long-term dental stability
- Periodontal care to manage gum disease, which becomes more common with age
Enrolling now offers immediate peace of mind and helps you avoid bigger problems down the road.
How to Choose the Right Dental Plan
Not all dental insurance is created equal. When choosing a plan in retirement, it’s important to look for features that align with your needs and lifestyle. Here are a few essentials to consider:
- Large provider network
Make sure the plan includes a wide range of dentists in your area, so care is always convenient.
- Coverage that starts soon
Look for plans with minimal or no waiting periods for basic services, so you can use your benefits quickly.
- Clear and simple benefits
A retiree-friendly plan should be easy to understand, with straightforward coverage for preventive care, fillings, crowns, and dentures.
- Affordability and transparency
Know what you’ll pay each month, and what’s covered. Plans available through associations often offer group rates, saving you money over individual policies.
How to Enroll in Dental Insurance
Getting started is simple. To explore your dental coverage options and enroll, just go to your association’s dental benefits page. There, you’ll find plan details, pricing, and everything you need to make an informed decision, all in one place.
Prefer to talk it through? You can also call 1-844-385-4359 to speak with a knowledgeable AMBA representative who will help you compare plans and guide you through the enrollment process.
Enrollment is open year-round, so there’s no need to wait. Taking action now can help protect your smile and your budget for years to come.
Ready to Get Started?
Missing open enrollment doesn’t mean missing out. If you’ve recently retired or realized your current coverage no longer meets your needs, you still have access to quality dental insurance tailored for retirees, with no deadlines and no pressure.
Dental care is essential to your overall health, and protecting it doesn’t have to be complicated. With year-round enrollment and support from trusted partners like AMBA, you can choose coverage that fits your life and gives you lasting peace of mind.
Ready to get started?
Click here to explore dental plan options and enroll. Or call 1-844-385-4359 to speak with a friendly AMBA representative who can help you enroll with confidence.