Dental expenditures and insurance coverage among older adults

Using data on 975 elderly persons from the 1990 Health Supplements to the Panel Study of Income Dynamics, we describe the predictors of expenditures for dental services. Forty-four percent of elderly persons reported using some dental services within a year. Thirteen percent had private dental insurance, and 8% had a separate dental policy. The average total expenditure for those who used any dental services was $378, 88% of which was paid out-of-pocket. Persons with a separate dental insurance policy, younger and better educated persons, and those with greater financial resources were more likely to use dental services.