Few Medicare patients said to have dental insurance

Newswise

Only 12 percent of older Americans have some form of dental insurance, and fewer than half visited a dentist in the previous year, suggests new research on Medicare beneficiaries by Baltimore-based Johns Hopkins Bloomberg School of Public Health.

Insurance status appeared to be the biggest predictor of whether a person received oral health care. For those with incomes just over the federal poverty level, 27 percent of those without dental insurance had a dental visit in the previous year, compared to 65 percent with dental insurance, according to an analysis of 2012 Medicare data.

Income also played a role. Highincome beneficiaries were almost three times as likely to have received dental care in the previous 12 months as compared to low-income beneficiaries, 74 percent of whom reported receiving no dental care. Many high-income beneficiaries, even those with dental insurance, paid a sizable portion of their bills out of pocket.

The findings, published in the December issue of the journal Health Affairs, suggest an enormous unmet need for dental insurance among those 65 and older in the United States, putting older adults at risk for oral health problems that could be prevented or treated with timely dental care, including tooth decay, gum disease, and loss of teeth, researchers say. It also highlights the financial burden associated with dental visits, among both the insured and uninsured, they say.

"Medicare is focused specifically on physical health needs and not oral health needs, and as a result, a staggering 49 million Medicare beneficiaries in this country do not have dental insurance," says study author Amber Willink, an assistant scientist in the Department of Health Policy and Management at the Bloomberg School. "With fewer and fewer retiree health plans covering dental benefits, we are ushering in a population of people with less coverage and who are less likely to routinely see a dentist. We need to think about costeffective solutions to this problem."

Four in five Americans under the age of 65 are covered by employersponsored programs that offer dental insurance, which covers routine cleanings and cost sharing on fillings and other dental work. Many of them lose that coverage when they retire or go on Medicare.

The vast majority of Medicare beneficiaries who have dental insurance are those who are covered still by employer-sponsored insurance, either because they still are working or because they have generous retiree medical and dental benefits.

For the new study, the researchers analyzed data provided by 11,300 respondents to the 2012 Cost and Use Files of the Medicare Current Beneficiary Survey. The data included information collected on income, dental insurance status, dental health access, and out-of-pocket expenditures.

On average, Medicare beneficiaries reported spending $427 on dental care during the previous year, just over three-fourths of which was outof-pocket spending. An estimated 7 percent reported spending more than $1,500. Dental expenses, on average, accounted for 14 percent of Medicare beneficiaries' out-of-pocket health spending.

Poor dental hygiene not only contributes to gum disease, but the same bacteria linked to gum disease also has been linked to pneumonia, a serious illness that increases the risk of hospitalization and death. It also can contribute to difficulty eating, swallowing, or speaking, all of which bring their own health challenges. Nearly one in five Medicare beneficiaries doesn't have any of his or her original teeth left, according to the Centers for Disease Control and Prevention.

The researchers also analyzed two separate proposals for adding dental benefits to Medicare, estimating how much each would cost. One was similar to the premium-financed, voluntary Medicare Part D benefit that was added to Medicare a decade ago to help cover prescription drugs for seniors. The other was similar to a proposal that had been introduced in Congress that would embed dental care into Medicare as a core benefit for all of the program's 56 million beneficiaries.

The first proposal, which would cost an average premium of $29 a month and would come with a subsidy for low-income seniors, would run an estimated $4.4 billion to $5.9 billion annually, depending on the number of low-income beneficiaries who participate. The second, with a $7 monthly premium and subsidies for low-income people, would cost between $12.8 billion and $16.2 billion annually. The packages would cover the full cost of one preventive care visit a year and 50 percent of allowable costs for necessary care up to a $1,500 limit per year to cover additional preventive care and treatment of acute gum disease or tooth decay.

She cautions that if the costs become too high for Medicare beneficiaries, they could lose whatever wealth they have and end up on Medicaid, the insurance for the very poor that the government pays for fully.

"Older adults are struggling, and the current benefits structure of Medicare is not meeting their needs. We need to find the right solution," Willink asserts.