Dental Discount Insurance Plan And Our New Health Care Plan - How The Changes Benefit You

I recently 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 under the new medical care policy that dental discount insurance would become a real possibility - that we could be offered a reduction in our rates for having a good dental record, just as our prices in other types of insurance policy can be reduced. However, it seems that dental care is such a low priority (after all, Congress has great dental insurance coverage at our expense!) that the matter never made it to the floor.

The A.D.A. is likely only concerned with 2 issues - more money for State health programs as it's related to paying out more (in their pockets) towards oral hygiene. And more funds for public education and awareness concerning oral hygiene, which is the governments' ticket to pay for (meaning we foot the expenses).

Will I 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 health insurance sector as a whole is exempt from federal antitrust laws. Basically, antitrust laws are meant to keep big market sectors from price fixing, bid rigging, and taking control over a specific industry and dictating costs and product availability.

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. Smaller enterprises will now have a level playing field to contend for your business - the dominance that the giants of the industry have enjoyed can be challenged.

Thus you will get dental discount insurance, but it will come into play in the form of more competing rates and options. But not as an insurance policy - at least until an even more competitive industry makes the product - and it is extremely likely that it will happen.

Please realize these changes won't happen right away, but over the next few years. If you currently require a dental plan, there's no sensible reason to hold up your decision. Do a little research, find a product that fits your needs, and be aware that the increase of competition will drive prices lower - it always happens!

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