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Fifty-one percent of adults age 50 to 64 don’t know how they’ll get dental insurance once they reach age 65, according to a new survey conducted by the University of Michigan.
The survey asked a nationally representative group of 1,066 middle-aged adults about their teeth and how they care for them as part of the AARP-sponsored National Poll on Healthy Aging.
The researchers also found that only 41 percent of people surveyed felt they had very good or excellent oral health, and that more than a quarter of people had delayed or skipped needed dental care in the last two years. Of those, 69 percent said the cost of dental care was a major barrier to getting treatment.
Practice Good Oral Hygiene
Practicing good oral hygiene habits doesn’t eliminate the need to go to the dentist, but it can help prevent serious problems such as tooth decay and gum disease. Here’s how to keep your mouth healthy, according to Friedman:
And if you don’t already get your teeth checked once a year, do so. Routine care can help prevent significant issues down the road. “If people do end up having dental problems, some of them can be very expensive to treat,” Solway says.
Coverage and Discount Options
Many employers offer dental insurance, so if you’re working, see whether you can get coverage through your job. Your employer may also offer a retirement health plan that includes dental care. Some health plans through the Affordable Care Act (ACA) marketplace also include dental coverage. And U.S. veterans can buy dental insurance at a reduced cost.
If you don’t have dental coverage through your employer, the ACA, or the Department of Veterans Affairs, other options include dental savings plans and dental health maintenance organizations (DHMOs).
Dental savings plans allow you to pay an annual fee in exchange for discounts of up to 50 percent for many dentists across the country. In a DHMO, you also pay an annual fee in exchange for regular checkups and cleanings from participating dentists, plus discounts on more complicated procedures.
You’ll probably want to skip buying private dental insurance plans, our experts say, because these are often very expensive and may not cover procedures such as root canals or crowns.
Hunt for Low-Cost Care
Try asking your regular dentist for a…