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Dental Discount Insurance And Our New Health Care Policy - How The Changes Help You
I recently had written an article about the fact that dental discount insurance was a misnomer - a mixing of the phrases 'dental discount plans' and 'dental insurance'. But there was some hope that under the new medical care policy that dental discount insurance would become possible - that we may very well be offered a reduction in our costs for having a great dental history, just as our prices in other types of insurance policy can be lowered. However, it seems that dental care is really a low priority (after all, Congress has great dental coverage at our expense!) that the matter never made it to the floor.
The A.D.A. is likely only concerned with 2 matters - more money for Medicaid since it's related to paying more (in their pockets) towards oral hygiene. And more resources for public education and awareness concerning oral care, which is the governments' ticket to pay (meaning we foot the expenses).
Will I ever get to the great news? O.K. - here it comes - how your dental discount insurance will arrive - however in disguise. Here's the deal. The health insurance sector as a whole is exempt from federal antitrust regulations. Basically, antitrust laws are made to keep big industries from price fixing, bid rigging, and taking control over a specific industry and dictating rates and product availability.
In February of this year, Congress voted for the repeal (406-19) of this exemption which the health insurance industry has been thriving under. So how exactly does this help you? In a nutshell, more competition. Smaller enterprises will now have a level playing field to contend for your business - the dominance which the giants of the industry have appreciated can be challenged.
So you will get dental discount insurance, but it will come into play in the form of more competing rates and alternatives. But not as an insurance plan - at least till a more competitive industry makes the product - and it is rather likely that it will happen.
Please know these changes won't happen overnight, but over the coming years. If you currently need a dental plan, there's no sensible reason to hold up your decision. Do a little research, locate a product that fits your requirements, and be aware that the influx of competition will drive prices lower - it always happens!
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