Financing
dental care for older persons is a huge challenge. Dental insurance is
key to utilization of dental care services but a 2003 report card issued
by the advocacy group, Oral Health America, reports that adults are three
times as likely to be without dental insurance as medical insurance.
And many older Americans, at high risk for oral health problems, have no
dental insurance at all. Thirty-two states received Ds or Fs for
having over 70 percent of their elderly report having no dental insurance.
Dental insurance
is largely obtained through employment. The majority of persons lose
their dental insurance upon retirement. Only 22 percent of older persons
are covered by private dental insurance. Most of the cost of elderly
persons’ dental care is, therefore, paid for “out of pocket.”
In some states,
Medicaid provides limited coverage for routine dental care for low income
and disabled elderly persons. But reimbursements are low and coverage
is far from comprehensive. Lack of access to basic preventive and
restorative dental services results in patients’ seeking care in hospital
emergency rooms after a dental problem that could have been more easily
and inexpensively treated worsens.
In 1999 and
2000, an Institute of Medicine report suggested that Congress update Medicare
regulations to allow the program to cover effective dental services needed
in conjunction with surgery, chemotherapy, radiation therapy or pharmacological
treatment for life-threatening medical conditions. Despite several
proposals to Congress to extend greater coverage of dental services, Medicare
essentially provides no routine dental coverage.
Web Resources
for Finding Dental Care
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Dental schools
often have clinics that provide care at reduced cost while giving students
experience treating patients. See “Finding Dental Care” at: www.nidcr.nih.gov/health
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The Bureau of
Primary Health Care has a listing of federally funded community health
centers that provide dental care. See www.ask.hrsa.gov/pc
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The National Institute
for Dental and Craniofacial Research (NIDCR) sometimes seeks research volunteers.
Participants may be provided with limited free or low-cost treatment for
the particular condition being studied. See www.nidcr.nih.gov/clinicalTrials