I recently wrote an article concerning the fact that dental discount insurance was a misnomer - a combination of the terms 'dental discount plans' and 'dental insurance'. However there was some expectation that in the new medical care policy that dental discount insurance would become a real possibility - that we could be given a discount in our rates for having an excellent dental record, just like our costs in other types of insurance policy can be reduced. But, it seems that dental hygiene is such a low priority (after all, Congress has excellent dental insurance coverage at our expenditure!) that the matter never made it to the floor.
The A.D.A. is likely only concerned with 2 issues - more income for State health programs as it's regarding paying out more (in their wallets) towards oral hygiene. And more funds for public education and awareness regarding dental hygiene, that is the governments' ticket to pay for (which means we 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 - but in vain. Here's the offer. The medical insurance sector as a whole is exempt from federal antitrust laws. Essentially, antitrust regulations are meant to keep huge market sectors 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 that the medical health insurance industry is thriving under. How does this assist you? To put it succinctly, more competition. Small enterprises will now have a level playing field to contend for your business - the dominance that the titans of the market have enjoyed could be challenged.
Thus you will get dental discount insurance, however it will come into play in the form of more competing rates and options. Although not in the form of an insurance policy - at least right up until an even more competitive company makes the product - and it is extremely likely that it will happen.
Please realize these changes won't take place right away, but over the next few years. If you presently require a dental plan, there isn't any sensible reason to hold up your decision. Do a little research, find a product which suits your needs, and remember that the increase of competition will drive rates lower - it always happens!
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