DENTAL NEWS: A survey/study done by The Access Project found that only 42% of the farm/ranch families living in Iowa, Minnesota, Missouri, Montana, Nebraska, North Dakota and South Dakota have dental insurance coverage compared with the national rate of 61%. Not having dental insurance coverage makes it more likely that people will delay getting dental care which results in the dental care being much more expensive when they do get it.
"The cost of dental care are exceeding families resources to pay for them and resulting in delayed care and financial burden", said Kim Moore, president of the United Methodist Health Ministry Fund in Kansas.
Even though far fewer farm and ranch families have dental coverage, their out-of-pocket dental care costs were, on average, slightly less ($978) compared to those with dental insurance ($1,007).
DENTAL VIEWS: As someone who sells all kinds of dental coverage in every state except Alaska, I know about the difficulties people living in rural areas face finding a dentist within a reasonable driving distance of them that accepts their dental insurance. Hell, finding any dentist at all within driving distance is a feat onto itself! More than any other factor, I think this plays a key role in why farm/ranch families and workers are less likely to have dental coverage.
However, I found it very interesting that families without dental coverage had lower out-of-pocket dental costs than those people with coverage. My guess this is because people who have coverage usually go to the dentist more often and thus accrue more out-of-pocket costs than those who rarely go.
One thing is for sure; you can' t expect to go to the dentist and have your insurance pick up 100% of the bill. Never existed, never will.
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