What Dental Insurance Plan Do You Use As A Retiree?

Maj James Tippins — Wed, 15 Oct 2025 16:45:51 -0400

We are using the Humana EPO plan. Even in the Network, it has turned into a nightmare. Dentists here are dropping them like hot potatoes!

Response by SFC Mark Merino made Oct 15 at 2025 6:46 PM

SFC Mark Merino — Wed, 15 Oct 2025 18:46:54 -0400

Humana

Response by CW3 Richard Doty made Oct 15 at 2025 10:04 PM

CW3 Richard Doty — Wed, 15 Oct 2025 22:04:50 -0400

We use FEP Blue Cross Blue Shield through BENEFEDS. So far, it's been flawless. No drama, and they have paid their bills as agreed. As with all insurance, being in network is the best solution, but our dentists take BCBS with no issues.

Response by Maj James Tippins made Oct 15 at 2025 10:35 PM

Maj James Tippins — Wed, 15 Oct 2025 22:35:28 -0400

Been researching...looks like we may be going to MetLife. Both of our dentists take it. Still looking.

Response by SGT Lorenzo Nieto made Oct 16 at 2025 7:30 AM

SGT Lorenzo Nieto — Thu, 16 Oct 2025 07:30:22 -0400

The VA.

Response by SGM Thomas Adderley made Oct 20 at 2025 6:47 AM

SGM Thomas Adderley — Mon, 20 Oct 2025 06:47:08 -0400

Response by SGT Wes King made Oct 20 at 2025 10:54 PM

SGT Wes King — Mon, 20 Oct 2025 22:54:04 -0400

I am old enough that I can get Medicare supplements for myself and my wife. I go to the VA but my wife has $2000 a year dental coverage with the AARP United Health Care plan and they even cover crowns. That is for in network but they had several local and one we really like. So that has worked out well for her. Good Luck

Response by Maj James Tippins made Oct 21 at 2025 8:32 AM

Maj James Tippins — Tue, 21 Oct 2025 08:32:49 -0400

I see a lot of VA users here. I suppose that would work for retirees under Medicare age. I never used the VA because I always had some employer coverage.

As a retiree on Medicare and TFL, I researched the BENEFEDS website and made a choice. I will select the MetLife Federal Dental Plan when the November election date arrives. The calendar year 2026 will have me on a new plan, and hopefully, I won't encounter similar problems as I did with Humana.

Response by SCPO Robert F. made Oct 23 at 2025 3:17 PM

SCPO Robert F. — Thu, 23 Oct 2025 15:17:40 -0400

FEDVIP then shop for the plan that best meets my needs