Emotions run high for pre-retirees. The retirement cloud comes in 2 forms—one part white and fluffy (no more work!) — another dark and ominous (no more benefits?).

Medicare doesn’t cover dental—including procedures, care or devices. Medicare will only cover it if it’s required as part of overarching medical care or procedure.

Get your head out of the clouds and refocus your retirement. Here are 3 ways to plan ahead:

1. Take care now.

Neglecting dental care now can lead to larger health issues down the road. Many medical emergencies happen unexpectedly. Fortunately, you can control your dental health. Brush and floss daily and see the dentist for regular checkups. Find out your dental health score.

2. Consider alternatives.

Though Medicare doesn’t cover dental, there are other options. Medicare Advantage plans typically offer hearing, vision and dental coverage. These plans aren’t right for everyone, so look at your state’s offerings to see what’s best for you.

Delta Dental of Idaho has teamed up with SelectHealth to offer dental benefits to Medicare Advantage eligible beneficiaries in certain Idaho counties. This optional supplemental dental plan, Delta Dental Idaho Advantage, is being sold exclusively through SelectHealth. Learn more about the offering.

3. Estimate costs.

Less than 1 in 6 pre-retirees have ever attempted to estimate healthcare costs during retirement, according to a report by Merrill Lynch. 

Plan now for a stress-free and healthy retirement.