Dental Discount Insurance And Our New Medical Policy - The Way The Alterations Assist You

I recently composed an article about the fact that dental discount insurance was a misnomer - a combination 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 a reality - that we may very well be offered a discount in our rates for having an excellent dental history, just like our rates in other types of insurance can be decreased. However, it seems that dental hygiene 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. seems only concerned with 2 matters - more money for State medicaid programs as it's regarding spending more (in their wallets) towards dental care. And more money for public education and awareness concerning dental hygiene, that is the governments' ticket to pay (which means you and i foot the bill).

Will I ever get to the great news? O.K. - here it comes - how your dental discount insurance will turn up - but in vain. Here's the deal. The medical insurance industry as a whole has been exempt from federal antitrust regulations. Basically, antitrust regulations are meant to keep huge industries from price fixing, bid rigging, and taking control over a particular market and dictating prices and product availability.

In February of this year, Congress voted for the repeal (406-19) of this exemption which the health insurance industry is thriving under. How does this assist you? The bottom line is, more competition. Small companies will now have a level playing field to compete for your business - the dominance which the giants of the market have enjoyed could be challenged.

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

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

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