High dental care costs in retirement

[StephanieC417696]

I had a wonderful dentist who partnered w his patients; his staff could tell you to a nickel what the share was for each visit. He tried to hold costs down. Unfortunately he passed away, and I’ve not been unsuccessful at duplicating the experience. One dentist provided me w a treatment plan, but I could not pin her down on what the actual cost would be. Lasers for pockets, a back tooth implant w a graft, etc. I didn’t want any of it. Thousands! My current dentist’s staff puts a clipboard in front of you while you’re in the chair and makes you sign responsibility for the ‘estimate.’ Fine, OK, but he just did an onlay that cost $1200 above the estimate, now I’m on the hook for $1700. My dental insurance paid $85 would have covered 50% of a crown had he done one. No one in my retirement planning told me to have $40,000 in an account held in reserve for dental care. I’m at a loss in more way than one. It’s costing $3000 a year for dental care and I have insurance. How can seniors advocate for themselves and navigate billing codes and practices. 

[BenjaminM550041]

Navigating dental costs as a senior can be daunting. Seek transparency in treatment plans and costs. Consider getting a second opinion. Advocate for clear communication with your dentist and insurance provider. Explore options for dental savings plans or additional coverage.