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November 2, 2026

The retirement expense you may be missing

  • This common healthcare cost can catch retirees off guard, and Medicare offers little protection. Here's how to plan for it.
  • By CHRISTINE BENZ
    Morningstar

    iStock photo [enlarge]
    For people with adequate financial assets, forgoing insurance and self-funding dental coverage can make sense.

    People often underestimate some expenses when planning for retirement. In my conversations with older adults about their in-retirement finances, they've repeatedly mentioned the cost of dental care. The reasons are straightforward: Our teeth get worse as we age, and yet dental care isn't covered by Medicare (except for emergency dental procedures for people who are hospitalized).


     
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