Recently i wrote an article about the fact that dental discount insurance was a misnomer - a mixing of the terms 'dental discount plans' and 'dental insurance'. But there was some expectation that in the new medical care policy that dental discount insurance would become a reality - that individuals could be offered a reduction in our rates for having a good dental record, just like our costs in other types of insurance could be reduced. However, it seems that dental care is such a low priority (after all, Congress has great dental insurance coverage at our expenditure!) that the matter never made it to the floor.
The A.D.A. seems only worried about 2 issues - more money for Medicaid as it's related to paying out more (in their wallets) towards oral care. Plus more funds for public education and awareness concerning oral hygiene, which is the governments' ticket to pay for (that means we foot the bill).
Am i going to ever get to the good news? O.K. - here it comes - how your dental discount insurance will arrive - but in disguise. Here's the offer. The medical insurance sector as a whole has been exempt from government antitrust laws. Basically, antitrust laws are meant to keep big market sectors from price fixing, bid rigging, and taking control over a certain industry and dictating prices and product supply.
In February of this year, Congress voted for the repeal (406-19) of this exemption that the health insurance industry has been thriving under. How does this help you? To put it succinctly, more competition. Small enterprises will now have a level playing field to compete for your business - the prominence that the giants of the industry have enjoyed can be challenged.
Thus you will get dental discount insurance, however it will come into play in the form of more competitive prices and options. But not as an insurance policy - at least until an even more competitive company makes the product - and it's very likely that it will happen.
You should realize these changes won't happen overnight, but over the next few years. If you currently require a dental plan, there isn't any sensible reason to delay your decision. Do some on-line research, find a product that fits your needs, and be aware that the increase of competition will drive rates lower - it always does!
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