Posted by: nbaground on: January 25, 2010
I recently wrote an article regarding the fact that dental discount insurance was a misnomer - a combination of the phrases 'dental discount plans' and 'dental insurance'. But there was some hope that in the new health care policy that dental discount insurance would become a real possibility - that people could be given a discount in our costs for having a great dental history, just like our prices in other types of insurance policy can be reduced. But, it seems that dental hygiene is really a low priority (after all, Congress has great dental coverage at our expenditure!) that the issue never made it to the floor.
The A.D.A. is likely only concerned with 2 issues - more income for State health programs since it's related to paying more (in their wallets) towards dental hygiene. And more funds for public education and awareness regarding dental care, which is the governments' ticket to pay (which means you and i foot the expenses).
Will I ever get to the good news? O.K. - here it comes - how your dental discount insurance plan will turn up - however in disguise. Here's the deal. The medical insurance industry as a whole is exempt from federal antitrust laws. Generally, antitrust regulations are made to keep big industries from price fixing, bid rigging, and taking control over a particular market and dictating costs and product accessibility.
In February of this year, Congress voted for the repeal (406-19) of this exemption that the medical insurance industry is thriving under. So how exactly does this help you? In a nutshell, more competition. Small companies will now have a level playing field to contend for your business - the dominance that the leaders of the market have appreciated can be challenged.
So you will get dental discount insurance, however it will come in the form of more competing rates and options. Although not in the form of an insurance plan - at least till a more competitive company creates the product - and it is extremely likely that it will happen.
Please realize these changes won't take place right away, but over the coming years. If you currently need a dental plan, there isn't any practical reason to hold up your decision. Do a little research, find a product which suits your requirements, and be aware that the influx of competition will drive rates down - it always happens!
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