As you prepare for retirement, you are no doubt thinking about finances, where will you live, and what you will do when you have more time. But there is one more area that you need to think about: your mouth. If you have dental insurance through your work, it will no longer be there when you retire. So, now is the time to prepare.
First, talk to your dentist well in advance. Ideally, you should mention your plans a few years before. If you tell them you are retiring in a month, that might not be enough time to do all the treatments you need. In addition, most insurance policies have a yearly maximum. If you have large old fillings that are breaking down, start getting them replaced or crowned about five years before your retirement day. This should give your dentist a reasonable amount of time to do all the work necessary and to use your insurance coverage wisely.
Here is the recommended schedule:
By following this schedule you can take full advantage of your insurance coverage while you have it. You already paid for your dental insurance, now use it.
Marzena Makuta is a co-author of the book Open Wider: Your Wallet, not Your Mouth, available at Amazon.com.
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