I had to think about that a while back, when something else about seriously unequal access to dental care in the US (and how dangerous that can be) came up.
Hopefully the ABLE accounts can help for at least some of the people who are eligible, and actually have some way of getting the extra savings at all. Covering otherwise difficult medical and dental expenses (besides educational) was part of the idea behind that, to begin with.
Shame this is only an option in a minority of states, and only for people who became officially disabled before 26. Not to mention, as already said, that the vast majority of people relying on SSI are unlikely to be able to put away much/any money without the help of family and friends. At a maximum of 75% of the poverty line?
But, it’s particularly nasty how Medicaid does not cover dental care for disabled adults.
Besides the basic issue of finding the money at all, there’s also the $2000 individual asset limit with SSI. One root canal is liable to cost more than that. Some of us are also dealing with conditions which directly affect our teeth. It’s a mess.
That’s actually one of the reasons I ended up with a bit of a dental pileup, after I moved into a better financial situation. When I was on SSI, I got one badly needed filling done for $20 through a free clinic volunteer dental program with an extremely long waiting list. (And was glad for the opportunity, I tell you what.) That was the full extent of dental access over nearly 10 years. It would probably still be that way if I were on SSI. My mouth has needed a decent bit of catch-up work as it is, maybe not too surprisingly.
And I know I’m far from the only one to have ended up in a situation like that. It’s unconscionable that Medicaid does not have to provide any dental coverage, for people who are quite deliberately kept that poor. It’s unconscionable that anybody is kept away from dental/medical care, period. It just adds a few extra layers of nastiness, setting people up in that position because they are disabled and needing to rely on SSI/Medicaid.



