Most people dream of being able to retire comfortably. The reality of turning 65 for many, though, is something quite different. The high cost of health care after retirement is a very real consequence if you have serious dental problems. Medicare and Medicaid programs do not provide dental benefits. For most seniors, dental visits and the dental work needed to maintain a glowing smile is very expensive. Many seniors forgo dental care. Where can seniors find financial help to help allay the high cost of dental care?
Before You Retire
If you are still employed and almost 65, be aware that many employers discontinue medical and dental coverage to employees once they turn 65. A bit of preplanning is necessary to ensure your dental health. Take the time to familiarize yourself with the fine points of your current dental coverage. Some dental plans only cover $1,000 to $1,500 in expenses annually. Therefore, you should have your dentist evaluate and start the care you need before you turn 65.
If you elect to purchase a dental plan after you retire, be aware that many dental plans do not cover pre-existing conditions. Your out-of-pocket expenses could be very expensive if you require extensive dental work.
No Insurance and No Money
The reason that 30 percent of all seniors over the age of 65 have lost all of their teeth is due largely to the high cost of dental care, according to the Centers for Disease Control and Prevention.
Financial Help
Despite the problems, there are several avenues for seniors to pursue to help finance dental care. You could purchase a widely-accepted dental plan. There are many places to get group dental insurance, such as trade or professional associations and credit unions. The American Association of Retired Persons, better known as AARP, now offers dental care insurance to its members. Individual plans can cost as much as 25 percent more than group dental plans.
Discount dental plans are also more affordable than individual dental plans. With a discount dental plan you will pay a nominal monthly fee of $11 to $12 and the plan will discount the cost of specific dental procedures. Be sure that your dentist participates in a specific discount plan before you sign up.
Many colleges offer low-cost dental care to the community. Dental students need patients to practice the skills that they have learned. In exchange for cheap or free dental care, seniors can expect to endure long periods of time in the dental chair while the students and their professors ensure that the procedures were performed correctly. You can call the American Association of Dental Schools to find schools that provide this service.
Many medical professionals as well as dentists also donate their services to the community. Many dentists volunteer at local community clinics. The National Association of Free Clinics provides venues for such services in many communities. Find a link in Resources for a clinic in your area.
