Why you need dental insurance in retirement.

Many Americans are fortunate to have dental coverage for their entire working life, throughemployer-provided benefits. When those benefits end with retirement, paying dental bills out-of-pocket can come as a shock, leading people to put off or even go without care. Simply put — without dental insurance, there may be an important gap in your healthcare coverage.

Medicare doesn’t pay for dental care.1

 Look for coverage that helps pay for major services. Some plans may limit the number of procedures — or pay for preventive care only.

 Look for coverage with no deductibles. Some plans may require you to pay hundreds out of pocket before benefits are paid.

 Shop for coverage with no annual maximum on cash benefits. Some plans have annual maximums of $1,000.

That’s right. As good as Medicare is, it was never meant to cover everything. That means if you want protection, you need to purchase individual insurance.

Early detection can prevent small problems from becoming expensive ones.

The best way to prevent large dental bills is preventive care. The American Dental Association recommends checkups twice a year.

Previous dental work can wear out. Even if you’ve had quality dental work in the past, you shouldn’t take your dental health for granted. In fact, your odds of having a dental problem only go up as you age.2

Treatment is expensive — especially the services people over 50 often need.

Consider these national average costs of treatment ... $217 for a checkup ... $189 for a filling ... $1,219 for a crown.3 Unexpected bills like this can be a real burden, especially if you’re on a fixed income.

“I don’t worry”

“Now that I have your dental policy, I don’t worry about going to the dentist. I love your plan — you pay what you say!”

Colleen W., MO

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NY Secy of State (SSNY) on 12/27/212 Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: DMC STRATEGY, LLC, 120 Broad Street, Hawthorne, NY 10532. Notice of Formation of DMC STRATEGY, LLC. Arts of Org. filed with Purpose: any lawful activity

NY Secy of State (SSNY) on 11/17/2022 Office location: Westchester County. SSNY is designated as agent of Dovetail Clique, LLC upon whom process against it may be served. SSNY shall mail process to: Malik Spence, 616 Lincoln Avenue, Apt. A52, Mount Vernon, NY 1052. Notice of Formation of Dovetail Clique, LLC Arts of Org. filed with Purpose: any lawful activity.

Notice of Formation of EMPIRE BUILDERS CONSULTING GROUP LLC. Articles of Organization filed with SSNY on 02/28/19. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to Cassandra Patterson, 119 Mt. Vernon Ave, Suite 2065, Mt. Vernon, NY 10550. Purpose: any lawful act or activity.

NY Secy of State (SSNY) on 1/16/2023 Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 822 Commerce Street, Box #37, Thornwood, NY 10594-0037. Notice of Formation of Fully Care LLC. Arts of Org. filed with Purpose: any lawful activity.

NY Secy of State (SSNY) on 1/4/23 Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: Kerlande Laurent 204 North Terrace Ave, Mount Vernon, NY 10550 Notice of Formation of Gift Of Faith LLC. Arts of Org. filed with Purpose: any lawful activity.

NY Secy of State (SSNY) on 01/01/2023 Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: Thomas G. Adari, 1556 Nepperhan Ave, Yonkers, New York 10703.

Notice of Formation of GWA Jewelers LLC. Arts of Org. filed with Purpose: any lawful activity.

NY Secy of State (SSNY) on 1/3/2023 Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to:821 Fenimore Rd.,Mamaroneck NY 10543 Notice of Formation of Hilde Friderichs LLC. Arts of Org. filed with Purpose: any lawful activity.

NY Secy of State (SSNY) on 10/23/2022 Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: Mansa J. Gory, 21 Rich Ave, Apt 4L, Mount Vernon NY 10550. Notice of Formation of Ice Cold Enterprise LLC. Arts of Org. filed with Purpose: any lawful activity.

Notice of Formation of Jessica Fountas Marriage and Family Therapy, PLLC. Art. of Org. filed with Secy. of State of NY (SSNY) on 01/18/2023. Office: Westchester County. SSNY designated as agent of PLLC upon whom process against it may be served. SSNY shall mail copy of process to: PLLC, 37 Hyatt Rd, Briarcliff Manor, NY 10510. Purpose: marriage and family therapy.

NY Secy of State (SSNY) on 1/3/2023. Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: Kimberly Jenkins-Grant 12 Pratt Street, New Rochelle, NY, 10801. Notice of Formation of Kingdom Building Management LLC. Arts of Org. filed with Purpose: any lawful activity.

Notice of Formation of LBK Consulting Services, LLC Arts. of Org. filed with SSNY on 1/09/2023. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to c/o General Counsel, PO Box 396, Bedford, NY 10506. Purpose: any lawful act or activity.

NY Secy of State (SSNY) on 1/1/2023 Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: Katrin LeStrange, 26 Spring Road, Chappaqua, NY 10514. Notice of Formation of LeStrange Advisors, LLC. Arts of Org. filed with Purpose: any lawful activity.

Notice of Formation of The Outdoors Contained LLC. Art. of Org. filed with Secy. of State of NY (SSNY) on 1/17/2023. Office: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail copy of process to: PO Box 506, Rye, NY 10580. Purpose: any lawful act or activity.

NY Secy of State (SSNY) on 12/14/22 Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to:850 New Burton Road, Suite 201, Dover, DE 19904. Notice of Formation of VT Good Wood LLC. Arts of Org. filed with Purpose: any lawful activity.

Notice of formation of YPMProduction LLC. Articles of Organization filed with the Secretary of State of New York(SSNY) on 01/06/2023. Location: Westchester County. SSNY designated as agent for service of process on LLC. SSNY shall mail a copy of process to: 101 Central Pkwy, Mount Vernon, NY 10552. Purpose: Any lawful purpose. NY Secy of State (SSNY) on 1/18/23. Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 54 Harding Parkway MT. Vernon NY 10552. Notice of Formation of SMITVILLE LLC. Arts of Org. filed with Purpose: any lawful activity.

Transcendent Processing LLC. Arts. of Org. filed with the SSNY on 1/27/23. Office: Westchester County. Zen Business Inc. designated as agent of the LLC upon whom process against it may be served. SSNY shall mail copy of process to Zen Business Inc. at 41 State Street, Suite 112, Albany, NY 12207. Purpose: Any lawful purpose.

NY Secy of State (SSNY) on 1/26/23 Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: United States Corporation Agents, Inc. 7104 13 th Avenue, Ste. 202, Brooklyn, NY 11228. Notice of Formation of Kim L Glickman, LLC. Arts of Org. filed with Purpose: any lawful activity.