Made my first visit to the dentist today as a retiree. There are some major changes from employee coverage to retiree coverage. Preventive maintenance is still 100% 2 times a year Maximum insurance per year is $1000 down from $2500. Dental medical - 50% copay up from 20%. There were others but this is what I remember. Luckily, I have not had a cavity since I was 19 so my visit today was covered 100%. My wife has pretty teeth but problems with them even though she takes really, really good care of them. She usually goes $2000 over each year when the max was $2500 ... now I need to budget for $3500 out of pocket. Not a major deal and the first major snag I "learned" while in retirement. Just something to be aware of if you are planning for retirement.