I recently wrote an article about the fact that dental discount insurance was a misnomer - a combination of the phrases 'dental discount plans' and 'dental insurance'. But there was some expectation that in the new health care policy that dental discount insurance would become a reality - that we could be offered a discount in our prices for having a good dental record, just like our prices in other types of insurance can be reduced. However, it seems that dental hygiene is really a low priority (after all, Congress has great dental insurance coverage at our expenditure!) that the issue never made it to the floor.
The A.D.A. seems only concerned with 2 issues - more money for State medicaid programs since it's related to paying out more (in their wallets) towards dental care. And more funds for public education and awareness concerning dental care, which is the governments' ticket to pay for (which means you and i foot the bill).
Will I ever get to the good news? O.K. - here it comes - how your dental discount insurance will turn up - however in disguise. Here's the offer. The medical insurance industry as a whole has been exempt from federal antitrust laws. Basically, antitrust regulations are made to keep big market sectors from price fixing, bid rigging, and taking control over a particular market and dictating prices and product availability.
In February of this year, Congress voted for the repeal (406-19) of this exemption that the health insurance industry is thriving under. So how exactly does this help you? To put it succinctly, more competition. Small companies will now have a level playing field to compete for your business - the dominance that the giants of the market have appreciated can be challenged.
Thus you will get dental discount insurance, however it will come in the form of more competitive rates and options. But not in the form of an insurance plan - at least until an even more competitive company creates the product - and it's very likely that it will happen.
Please realize these changes won't happen instantaneously, but over the coming years. If you currently require a dental plan, there isn't any practical reason to delay your decision. Do a little research, find a product that suits your requirements, and be aware that the increase of competition will drive rates down - it always does!
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