Suze Orman TwitterSuze Orman FacebookSuze Orman YouTubeSuze Orman LinkedIn
View Blog & News List

How Seniors Can Take the Bite Out of Dental Costs.

April 13, 2017 at 5:00 AM

I hope anyone nearing age 65 realizes that Medicare does not cover routine dental procedures. As recently reported in a terrific retirement blog, seniors pay more than $1,100 a year for dental work. But what is most troubling to me is that two years ago the nonprofit Kaiser Family Foundation reported that one in five Medicare enrollees said the high cost of dental care is a barrier to getting care. That’s dangerous, as not keeping up with dental care can impact your quality of life—if your teeth and gums don’t stay strong-and can lead to illnesses.

If you are on the cusp of retiring, and currently have good dental insurance benefits through work, talk to your dentist about whether there is any major work that will need to be done in the next few years; you might want to consider accelerating that work while you are still covered.

Once you’re retired-and for anyone currently working who doesn’t have coverage- I want you to look into a dental savings plan. This is not insurance. It’s better! Many insurance plans have an annual maximum coverage of $1,500 or so. With a dental savings plan you pay a flat monthly fee-you will be amazed how affordable it is-and then you are eligible to receive discounted services from a dentist that participates in the plan. I have saved plenty using a dental savings plan. I encourage you to check out your options at DentalPlans.com

Tag Cloud

letter to suzehealthy retirement blood pressuremobile appholiday spendingVital Documentscommunity bankprovider of financial supportincrease retirement contribution rateenjoy saving purely financial standpointmarriage financial responsibilityForbesloan no longer than 36monthsresponsibledangerous retirement planget over life insurance phobiaCNBCemotional stakesgift up to 14,000loan big picture gift not loanthree year car loanincrease retirement savingshigher insurance deductiblegift grandchild IRA contributionpay down student loan debtfile taxes quicklyConventional loan PMIcollege studentHow To Build Creditburn outFinancialraising mortgage rates Sandy Hook Promiseitemized deductionlong-term care premiumsteach your child good money habitsIRA contribution gifted moneyBill and Pennydear suzeUS Tax Codestrained relationshipcar buying mistakesretirement planNew american Dream no private loansconfidentWarner Bros Television Grouplowest cost fund optionovercome financial fearsFinancial Gift Clifflower overall drug costlower ratefile asapbetter loan dealsMust Have Documentsplanhome loan credit score below 740 Interestdental discount planpoint cost offset by savingsyours, mine & ours8 Ruleshome buying seasonSelfishspeak new goalcreate new truthis it necessary?Cory Bookermonthly benefit high premiumsloan is giftsave depreciating asset ARM Cautionsocial workpercentage of women widowed 75-84don't extend mortgage high deductible health care planStaffords this year have a fixed 6.8% interest ratepaying for collegeno waiting perioddangerous money seasonallowance taskstandard rateleave a legacy50 over 50is it true? Communication Skills don't spend allowanceno life insurance financially irresponsibleearn more on savings20% equityrefinancemax benefit coveredorigination feesBaby BoomersSuze approvedrequire chore in exchange for allowanceSatisfyingpowerfullow down paymentmoney-aware childno apologyanticipated salarycar leasingsave moneyfraudulent returnbreakdown projected monthly housing costzero rate transfer dealshome buying mistakesFinal Goodbyereal estate mistakesswitch to roth 401(k)Forbes Top 103 step financial road mapsuccess8 month emergency fundMoney Marketwomen live longerInfluential CelebrityFixed Rate Mortgagestaycationfinancial concernpay high rate off firstInfluentialsbetter termslong term careCOLAonly offered while employed debt freehighest possible benefitswitch to spouse coverageroth iraLong Term Care Insurance only refinance if it paysiffy incomeHoliday Seasonderailed planemergency fund savingsis it kind?HolidayMoneywomen long term careconsider roth 401(k)Prime Rate Rise 2015teensGay Couplesdon't do five year car loanproperty taxnot enough life insurancerising home pricesshop online guaranteed level term policybuy home you can afford19 years cash flow problemtitle insurancecostly legal no splurge HSA tax savingsfinancial fearsresponsible with moneyStock Investmentsbudgetclosing disclosurewomen longer life spanInflation Benefitborrowing plan non conventional routeFinancial Systemcontribution Richjuggle multiple financial goalsdeath benefit needs for familyhealthy teethunexpected expensespring summer premium20% down paymentprotect dependent maintain standard of livingfiduciaryFICO Scoremanage student loansbad decisionsSuze Orman spouse Kathy Travisrequired disclosuredon't cover cosmetic dentistryBankoverspend on nights outsummer job match income interest on student loansSuze changed my lifewrite new goalidentity theftno retirement funds for down paymentBeautystay positiveautomatic paymentLong Term Care shoppingfinancial aidfederal student loan deferment no private loan40% toward financial goalmonthly dental insurance premiumGoodbyeknow before you oweInvest for savings growthFICO at least 720annual cost of living adjustment20 year level term credit cardmax employee matchbe kind to yourselfstudentjanuary billsCollege of Veterinary Medicinecompare monthly expensesprotect and provide for minor child 15 year mortgageshorter payback periodWall StreetAdequate Auto and Home InsuranceMotheropen enrollment review television hosthealthy youvalentines daylife insurance name trust as beneficiaryAARP Social security calculatorhome buying budgetSandy Hook Elementary Schooldon't charge a pennylower mortgage interestsidelinedinterest capitalizationcomparison shoppinglearn good financial choicesCredit Card Rate Increasebalance transfer School of Social Worksavingslet them have 50% controlFederal Reserve8 month safety netTeach3% debt transferred gay marriage ban end Florida SpendingSuze is my biggest mentordebtlong term goalHDHP's are not badRevocable Trustshort term goal Newtownno tax on withdrawlskids schedule paymentsfour steps to retirement savings commitThe Suze Orman Showdream schoolpaid vacationpublic service career student loan repayment incentives for health care wellness screeninglousy investmentARMretirementsame-sex marriageborrow each year, capitalization is going to pile up don't derail retirement savingshealthy gumspresident Obamadon't use allowance as bribemortgageeight month living expense one credit cardhealthy retirement weightget credit cardbig results couple financeshome related tax break bonus can you afford itFederal Stafford loanschedule vacationEmergency SavingsWillFRAraise insurance deductibledon't buy wantsAlarm Clockfull retirement ageFinancial Solutions For Youhousing marketpeace of mindAuto Savings credit unionprotect loved ones emergency fund calculate dependents annual income needsquick closingdon't ignore open enrollmentspecial saving accountretain separate credit cardsbuying car 20163 bucket approachhigher monthly paymentvalue moneyco-sign insurancecut monthly cellular billexercise reguarlyNew York Lifedon't blow tax refundGiftRevocable Living Trustpermanent life insurancetaxesJose RodriguezEmployer Matched ContributionSuze OrmancommissionsFinancial Power of Attorneyno negativityautomate student loan paymentslow-cost index mutual fundraise your deductiblenew carEric Dodge Americans don't use all paid vacation timeExhibitionretirement accountsHDHP's are good for youinitial tax break SelectQuote.combest interest ratesFree Debt Eliminatorcut monthly cable billdon't defer interest paymentswomen outlive mencostly insurance mistakePay Off Debt Before Retirementloan necessitygrandchild summer job IRA contribution10 year repayment plan raise deductiblesis it necessarymortgage brokercommunity collegeDeath Benefitcharges on credit cardearn allowancebe good examplereduce monthly paymentverify retirement plan with HR or plan sponsorLong Term Care premiumsStudent Debtcnbc alarm clockFinancial Clifflong-term care term life insuranceSwap Older Annuities or Life Insurance Federal Funds RateFiscal ResponsibilityFederal PLUS loan2016 adjust withholdingTelepictures2016 adjust estimated taxmeet monthly raising interest ratesprotect your familyworst financial mistakeChanging LivesAARPface your financial fearLegal Guardiansame sex marriage band end FloridaStudent Debt CrisisCommencementPersonal Financemoney vowsteach importance of helping othersLifestylekid borrow firstdeath benefit 20 to 25 times annual incomeUrbana-Champaignmortgage interest tax deductionuniversal college access740 credit scoresecured cardHoliday Shoppingterm insuranceAshley Springersocial securityfinancial goal phraseengaged in financessocial security never insolventsetup automatic savings withdrawcost of capitalization calculatoradult childrenPost-DivorceHDHP under 18 financial giftCD'spay interest while in schoollive below your meansno fee transfermake saving a pleasureFinancial Awareness Video Festivalprescription tierLTC shoppingtax refund fraudGracedo not pay allowance for good behaviorpay off debtpush yourself to save more for retirementHigh FICO Score = Better Ratelife insurance401(k) ContributionsHDHP/HSArolloverpaid in full10% donate to charityage appropriate goalswaive home inspection bid!00% tuition paidaccelerate dental workSuze Orman Scholarshipsecure creditget health insuranceLTCi ASAPWashingtonhome ownershipget the most out of social security savings pleasureBankruptcyPBS SpecialCredit Card Interest Rateconfident of solutionreplace permanent life insurance with termStudent LoanYoung Adult high down paymentrepay student loansignore 6 month grace period children's bookETF'stax ID theftrent vs buyMinor Children Money-Savingbest interest of investorHigh Credit Scorereduce withholdingstudent loan debtback-to-school budgetdebit cardschool Easy Life Insurance 6 month waiting periodapproved medical 100% tax-freeage appropriate chorebad retirement planning4 Must Have Documents no late fee not gender specific Most Influential Celebrities Listhome budget after tax costkeep a schedulePhyllis Shelton expert long-term care2015 record year car salespay more than minimumlower interest ratecar loanUniversity of IllinoisOverspendingFHA loan feesphysical healthbetter loan ratesultimate compounding giftHDHP'sreduce interest ratestudent loan repayment planMass Mutualmarriage inequalitytraditional vs roth 401(k)increase emergency savingswould you decline a bonusfocus on needsOne Wallet At A Timepay down car loanidentity fraudbest loan deal 20% down payment avoid feesCombo Insurance ProductsRetirement SavingsSuze Orman's Money Warsbuy homeFinancial Educatorhigh credit score discountstandard deduction college graduatecontribute household expenses Gay Rightsfinancial argumentsCredit scoresmall changes overspend on dining outadvice for college graduatestoo expensive schoolheartachebecome member affordable premiumcredit reportmax employer matched 401(k) contributionadd teensuitablehealthy aging do you need life insurancelow credit scorepay credit debt ASAPbuy down avoid burn outSave Us Moneyincreased auto insurance premiumemployer funding HSACPI-Wfinancial independencebuying a carnear historic lowsfinancing car Financial Advicerefundgrandparent IRA contribution social security not going brokereal estate marketpercentage men widowed 75-84University of Floridaunsubsidized Stafford loaneliminate credit card debtpay 100% cashAccuQuote.comRetirement Incomemultiple lendersback door Roth IRAbe true to yourselfpreexisting condition not coveredworkaholicstudent loan repaymentFICO credit score credit card mortgagehome insuranceinsurance yearly reviewritual scheduleRoth 401(k)take actionPrime Rate IncreaseLovemental healthgraduationstretch out haircut appointmentsFinancial Awareness15-year refinance dealone annual feemortgage disclosureinsurance mistakefocus on new truth LTCat worst still pay 75% benefitclosing feesnegotiate points with bank or sellerdoctor no longer in networkMarlo Thomaspublic service loan forgiveness programdental insurance alternative FICO scoreoverspend on giftsprofessional advisorno sneaking in feesfamily save at least $100 monthly401Kclosing costs 2% of loan3 savings buckets high FICO score20 to 25 times annual incomeAmy Lacyetstudent loan repayment estimatorretirment savingsverify wellness screening and programsteens and moneyMortgage Credit Availability Index30 year mortgage credit managementdoctors in networkForeclosurebill paying prioritiesaffordabilitypositiveFundsalways use all paid time offdental savings plancredit utilization rateGiftsautomatic withdraw to savings loved ones dependent on incomeHeartno interestreferrals wives should be involved in retirementCivil Rightslow mileage discount2015 financial roadmapescrowstore credit cardslower premiumCiti Simplicity Card Durable Power of Attorney for Health Careadjust allocations children under 18employer offered life insurancecompare provider pricingVeterinary School2017 Taxes


View Blog & News List
People First. Then Money. Then Things.
Connect with me on Facebook Connect with me on YouTube Connect with me on Twitter
© 2017 Suze Orman Media Inc. All rights reserved.
 
 |  Search  |  Sitemap  |  Privacy  |  Terms
Sign Up For E-mail Offers
Open Panel
Close Panel