Not Just Seniors
The State of Decay report further warned that the lack of access to dental care currently plaguing seniors today is a growing problem that will continue to affect virtually all Americans.
Baby Boomers tend to enter their senior years with more natural teeth than previous generations did. Those teeth, though, have withstood the challenges of 65 hard-working years and need the best of modern dental care to continue to thrive. When retirees lose their employment dental benefits, they may find that dental insurance plans no longer fit their budgets or cover the services they need. And many of us assume Medicare covers dental until we sign up for the coverage. But less than 1% of standard dental services are typically covered by Medicare.
Kids are faring better with dental care, thanks in part to the Affordable Care Act. About 3.0 million children will be covered by dental policies purchased on the ACA marketplaces by 2018. The Centers For Disease Control ( CDC) estimates that an additional 3.2 million children will gain dental benefits via the ACA’s Medicaid expansion plan.
About 17.7 million adults are also expected to have dental benefits by 2018, but this increase is expected to be primarily due to Medicaid coverage, which tends to limit adult benefits to emergency dental services only.
Adults face financial barriers to dental care even if they have dental insurance. The majority of dental insurance plans cap coverage at $1000-$1500, about the cost of one root canal and crown in a metropolitan area. The services insurance will pay for are also highly restricted, with long waiting periods for major procedures and little if any coverage for pre-existing conditions.
Dental Savings Plans are quickly becoming the answer to Americans’ oral health woes. Savings plans provide all of the critical cost benefits of standard dental insurance, with none of the restrictions. Find out now whether a dental savings plan is right for you. Review our offerings, and decide whether a savings plan fits your needs. Our AtYourService Customer Care Representatives would be happy to answer any questions you might have, give them a call at 1-800-238-5163.