Ask Mr. Fix it

I recently composed an article about 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 in the new health care policy that dental discount insurance would become possible - that we could be offered a reduction in our rates for having an excellent dental history, just like our rates in other types of insurance policy can be decreased. However, it seems that dental care is such a low priority (after all, Congress has excellent dental coverage at our expenditure!) that the issue 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 regarding spending more (in their wallets) towards dental hygiene. And more money for public education and awareness concerning oral hygiene, that is the governments' ticket to pay (which means you and i 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 vain. Here's the deal. The medical insurance industry as a whole is exempt from federal antitrust laws. Basically, antitrust laws are meant to keep huge industries from price fixing, bid rigging, and taking control over a particular market and dictating rates 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 assist you? The bottom line is, more competition. Small companies will now have a level playing field to contend for your business - the dominance that the giants of the industry have enjoyed could be challenged.

Therefore you will get dental discount insurance, however it will come in the form of more competing rates and options. But not as an insurance policy - at least right up until a more competitive company creates the product - and it is rather likely that it will happen.

Please understand these changes won't happen right away, but over the next few years. If you presently need a dental plan, there isn't any practical reason to hold up your decision. Do a little research, look for a product that fits your needs, and remember that the influx of competition will drive rates down - it always happens!

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