Ask a Dentist

May 14, 2020

Q: How much money do I need to save to cover my dental care when I retire?

older couple sitting on folding chairs on the beach with grass behind them


We recommend saving up for insurance, rather than paying out-of-pocket. While routine dental checkups cost between $200 to $300, the cost rises to over $1,000 for root canals, crowns, bridges, dentures, dental implants or other more complicated dental procedures.

Check with your employer, as you may qualify for dental insurance after retirement. Public funding and private insurance cover most dental care procedures. Read insurance policy plans carefully. Avoid waiting until you have a dental emergency to get an insurance plan. Remember, insurance providers may have a probationary period on insurance plans which exclude those who sign up last-minute. The probationary period may also stop you from getting insurance coverage if you stop paying your monthly insurance fee for a few months.

The Province of Manitoba may cover some of your dental costs in retirement if you have low income or need emergency dental care. The Government of Canada offers the Pensioners' Dental Services Plan, which covers some dental care at a fixed monthly rate for individuals and family members.

Other insurance plans are available for qualifying individuals. Keep in mind, policies may be limited or may not cover all dental care costs. If you have an Indigenous or Inuit background, contact NIHB (Non-Insured Health Benefits for First Nations persons & Inuit). If you’re a veteran, contact the VAC (Veterans Affairs Canada). If you’re unemployed or facing low-income, contact EIA (Employment and Income Assistance). If you’re a refugee, contact IFH (Interim Federal Health Program for refugees).

At Dental Image Therapy Centres, we take many different insurance policies. When making an appointment, let us know your policy information so that we can get your dental work started. Book your appointment at either of our dental clinics, at Garden City Shopping Centre and St. Vital Centre.