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Dental Discount Insurance Policy And Our New Medical Plan - The Way The Alterations Help You
I recently had written an article regarding the fact that dental discount insurance was a misnomer - a mixing of the terms 'dental discount plans' and 'dental insurance'. However there was some hope that under the new medical care policy that dental discount insurance would become a reality - that people may very well be given a reduction in our prices for having a great dental history, just as our costs in other types of insurance can be lowered. But, it seems that dental care is such a low priority (after all, Congress has excellent dental coverage at our expense!) that the matter never made it to the floor.
The A.D.A. seems only concerned with 2 matters - more income for Medicaid as it's regarding paying more (in their pockets) towards oral care. And more resources for public education and awareness regarding oral hygiene, that is the governments' ticket to pay (meaning we foot the bill).
Will I ever get to the great news? O.K. - here it comes - how your dental discount insurance plan will arrive - but in vain. Here's the deal. The health insurance sector as a whole has been exempt from federal antitrust regulations. Generally, antitrust laws are meant to keep huge industries from price fixing, bid rigging, and taking control over a specific industry and dictating prices and product accessibility.
In February of this year, Congress voted for the repeal (406-19) of this exemption which the medical insurance industry has been thriving under. How does this assist you? In a nutshell, more competition. Smaller enterprises will now have a level playing field to compete for your business - the dominance which the leaders of the industry have enjoyed could be challenged.
So you will get dental discount insurance, but it will come into play in the form of more competitive rates and alternatives. Although not as an insurance policy - at least till a more competitive industry makes the product - and it's very likely that it will happen.
Please know these changes won't take place overnight, but over the next few years. If you presently need a dental plan, there's no sensible reason to delay your decision. Do a little research, locate a product which fits your needs, and remember that the influx of competition will drive prices lower - it always does!
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