Dental Discount Insurance Policy And Our New Health Care Plan - The Way The Alterations Benefit You

I recently composed an article regarding the fact that dental discount insurance was a misnomer - a mixing of the phrases 'dental discount plans' and 'dental insurance'. But there was some hope that under the new health care policy that dental discount insurance would become a real possibility - that we may very well be given a reduction in our costs for having a good dental history, just as our rates in other types of insurance policy can be decreased. But, it seems that dental care is really a low priority (after all, Congress has great dental coverage at our expense!) that the issue never made it to the floor.

The A.D.A. is likely only concerned with 2 matters - more income for Medicaid since it's related to paying more (in their pockets) towards dental hygiene. And more money for public education and awareness regarding oral care, which is the governments' ticket to pay (meaning you and i foot the expenses).

Will I ever get to the great news? O.K. - here it comes - how your dental discount insurance plan will arrive - however in disguise. Here's the deal. The health insurance industry as a whole is exempt from federal antitrust regulations. Generally, antitrust laws are made to keep big industries from price fixing, bid rigging, and taking control over a specific market and dictating costs and product availability.

In February of this year, Congress voted for the repeal (406-19) of this exemption which the medical insurance industry has been thriving under. So how exactly does this help you? In a nutshell, more competition. Smaller companies will now have a level playing field to contend for your business - the dominance which the leaders of the industry have appreciated can be challenged.

So you will get dental discount insurance, but it will come in the form of more competing rates and alternatives. Although not as an insurance plan - at least until a more competitive industry creates the product - and it is extremely likely that it will happen.

Please understand these changes won't take place overnight, but over the coming years. If you currently need a dental plan, there's no practical reason to hold up your decision. Do a little research, look for a product which fits your requirements, and be aware that the influx of competition will drive prices down - it always happens!

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