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

Recently i wrote an article regarding 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 health care policy that dental discount insurance would become a real possibility - that individuals could be given a reduction in our rates for having a great dental record, just as our rates in other types of insurance could be reduced. But, it seems that dental care is such a low priority (after all, Congress has excellent dental insurance coverage at our expense!) that the issue never made it to the floor.

The A.D.A. seems only worried about 2 issues - more income for State health programs as it's regarding spending more (in their pockets) towards dental care. Plus more funds for public education and awareness regarding oral hygiene, that is the governments' ticket to pay for (meaning you and i foot the bill).

Am i going to ever get to the good news? O.K. - here it comes - how your dental discount insurance plan will arrive - but in vain. Here's the offer. The health insurance industry as a whole has been exempt from government antitrust laws. Generally, antitrust laws are meant to keep huge market sectors from price fixing, bid rigging, and taking control over a specific market and dictating costs and product supply.

In February of this year, Congress voted for the repeal (406-19) of this exemption that the medical insurance industry has been thriving under. How does this assist you? The bottom line is, more competition. Smaller companies will now have a level playing field to compete for your business - the prominence that the leaders of the industry have enjoyed could be challenged.

Therefore you will get dental discount insurance, but it will come in the form of more competitive prices and options. Although not as an insurance policy - at least till an even more competitive industry creates the product - and it is extremely likely that it will happen.

You should realize these changes won't take place right away, but over the next few years. If you presently require a dental plan, there's no practical reason to delay your decision. Do some on-line research, find a product which fits your needs, and remember that the increase of competition will drive prices down - it always does!

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