Retirement & Dental Insurance

Self-pay typically saves $600 over five years by avoiding waiting periods and insurance-driven restrictions.

Traditional Medicare typically does not cover routine dental care. Medicare Advantage plans vary widely, but often feature low annual caps and limited provider networks that may not offer the specialized care required for medically involved patients.

Most individual plans have an annual maximum benefit of $1,000 to $1,500. When you factor in monthly premiums of $40–$60 and deductibles, you are essentially "pre-paying" for a small amount of coverage that may not even cover a single complex procedure.

Most private plans for retirees impose a 6 to 12-month waiting period before they will pay for "major" services like crowns or bridges. If you have an urgent need immediately after retiring, the insurance plan often provides zero financial help.

Yes. We file claims for any PPO plan as an out-of-network provider. Our team handles the paperwork so your insurance company sends the reimbursement check directly to you, allowing you to choose quality care without losing your benefits.

Without insurance company restrictions, we can select the best materials and laboratories based on your specific health history. This is especially beneficial for Complex & Medically Involved Care, where insurance-driven shortcuts could compromise long-term durability.