Recently i had written an article concerning the fact that dental discount insurance was a misnomer - a mixing of the terms 'dental discount plans' and 'dental insurance'. However there was some expectation that under the new medical care policy that dental discount insurance would become possible - that individuals may very well be offered a reduction in our rates for having an excellent dental record, just as our costs in other types of insurance policy could be lowered. However, it seems that dental care is such a low priority (after all, Congress has excellent dental insurance coverage at our expense!) that the matter never made it to the floor.
The A.D.A. is likely only worried about 2 matters - more money for Medicaid as it's regarding paying out more (in their pockets) towards oral hygiene. Plus more resources for public education and awareness concerning oral hygiene, that is the governments' ticket to pay for (meaning we foot the expenses).
Am i going to ever get to the great news? O.K. - here it comes - how your dental discount insurance will arrive - but in vain. Here's the offer. The health insurance sector as a whole is exempt from government antitrust regulations. Essentially, antitrust laws are meant to keep huge market sectors from price fixing, bid rigging, and taking control over a specific industry and dictating rates and product supply.
In February of this year, Congress voted for the repeal (406-19) of this exemption which the medical health insurance industry has been thriving under. How does this assist you? To put it succinctly, more competition. Smaller enterprises will now have a level playing field to contend for your business - the prominence which the titans of the industry have enjoyed could be challenged.
Thus you will get dental discount insurance, but it will come into play in the form of more competing prices and alternatives. But not as an insurance policy - at least right up until an even more competitive industry makes the product - and it is rather likely that it will happen.
You should know these changes won't happen overnight, but over the next few years. If you presently require a dental plan, there's no sensible reason to hold up your decision. Do some on-line research, locate a product that fits your needs, and remember that the increase of competition will drive prices lower - it always happens!
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