Dental Discount Insurance Policy And Our New Health Policy - How The Changes Assist You
I recently had written an article about the fact that dental discount insurance was a misnomer - a combination of the terms 'dental discount plans' and 'dental insurance'. But there was some hope that in the new medical care policy that dental discount insurance would become a real possibility - that we may very well be offered a discount in our rates for having a great dental history, just like our prices in other types of insurance policy can be lowered. However, it seems that dental hygiene is such a low priority (after all, Congress has great dental coverage at our expenditure!) that the matter never made it to the floor.
The A.D.A. is likely only concerned with 2 matters - more money for State medicaid programs as it's related to paying more (in their wallets) towards oral hygiene. And more resources for public education and awareness concerning dental hygiene, which is the governments' ticket to pay (which means we foot the expenses).
Will I ever get to the great news? O.K. - here it comes - how your dental discount insurance will turn up - but in disguise. Here's the deal. The medical insurance sector as a whole is exempt from federal antitrust regulations. Basically, antitrust regulations are meant to keep big industries from price fixing, bid rigging, and taking control over a particular industry and dictating costs and product availability.
In February of this year, Congress voted for the repeal (406-19) of this exemption which the health insurance industry is thriving under. How does this help you? In a nutshell, more competition. Small enterprises will now have a level playing field to contend for your business - the dominance which the giants of the market have enjoyed can be challenged.
So you will get dental discount insurance, however it will come into play in the form of more competing rates and alternatives. But not in the form of an insurance policy - at least till a more competitive company makes the product - and it is extremely likely that it will happen.
Please know these changes won't happen instantaneously, but over the next few years. If you currently need a dental plan, there isn't any sensible reason to hold up your decision. Do a little research, locate a product that suits your needs, and be aware that the influx of competition will drive rates lower - it always happens!
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