Supplemental dental insurance may not be cost effective for seniors.
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Aging can take a toll on teeth, and for many older people paying for dental services is a serious concern because they can’t rely on their Medicare coverage.
Low-income seniors in particular are struggling. More than a third with incomes below 200 percent of the federal poverty level (about $23,000 annually) had untreated tooth decay between 2011 and 2014, according to an analysis of federal data by the American Dental Association.
“What ends up happening is that almost everybody, when they get to be 65, is sort of on their own and they have to pay for dental care out of pocket,” says Dr. Michael Helgeson, chief executive officer of Apple Tree Dental. Apple Tree is a Minneapolis-based nonprofit organization that operates eight clinics in Minnesota and California that target underserved seniors. It also has mobile units that provide on-site dental care at nursing homes and other facilities.
Traditional Medicare generally doesn’t cover dental care unless it’s related to services received in a hospital. Medicare Advantage managed care plans generally provide some dental care, but the coverage can vary, and often is minimal, dental care advocates say. The plans often are “a loss leader,” said Dr. Judith Jones, a professor of dentistry at Boston University. “It’s meant to attract people. It gets people in, but the coverage is really limited.”
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In a way, older people are victims of dentistry’s success. Regular visits to the dentist, along with daily tooth brushing and water fluoridation, have all contributed to improvements in oral health. In the first half of the 20th century, by the time people reached their 30s or 40s many had already lost all their teeth, Helgeson said. Today, more than 60 percent of people in nursing homes still have at least one tooth.
But teeth need tending. Without regular dental care, tooth problems can cause pain and limit how much and what type of food people are able to eat. Similarly, gum disease can loosen teeth and allow bacteria to enter the body. A growing body of research has linked treating periodontal disease with lower medical costs for diabetes and heart disease, among other conditions.
People’s lives are affected in other ways by their oral health. “You use your mouth to eat and kiss and smile and interact socially,” said Jones. “It’s a source of great embarrassment and suffering for many adults without access to care.”
With limited income and no insurance, seniors may skip visiting the dentist regularly, even though many report that their mouths are dry and painful and they have difficulty biting and chewing, not to mention avoiding smiling and social interaction if they have missing or damaged teeth.
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