Finding a way to buy dental
insurance at a reasonable price.
We are dedicated to
consumers who feel left out in the cold when trying to buy dental
insurance at an affordable price.
I understand that there are many
dental plan web sites popping-up all over the internet, claiming to
offer "dental insurance" when in fact they do not and are not
licensed to offer and sell a dental insurance plan.
If you find a site that says they
offer dental insurance, they are "required" to show their insurance
license information on the web site. If they do not, then report them to your
local state department of insurance. If you find a dental web site stating they
offer "dental insurance" and in fact they do not, then take the opportunity to
report that site to the search engine you found them on.
Always ask to speak with a licensed insurance agent. Please be sure to contact the
dentist or dental office you have selected to confirm they are accepting new
patients and they are accepting the dental health insurance plan you are considering.
Finding the right value in individual and family dental insurance is an
important step in purchasing affordable dental insurance health care coverage.
Both types of dental plans (dental insurance and discount dental plans) have
advantages and disadvantages and one size does not fit everyone. Keeping this in
mind is an important guideline when you shop for the dental plan that best fits
Dental fairness for access to dental health
There are laws that
prohibit discrimination against dental care services under specific
circumstances. In addition payment for health care services shall
not be denied under a policy, contract or other document providing
for the payment of health care treatment procedures if the services
are rendered by a licensed dentist if the following two conditions
1. The health care services would be covered if provided by a
person licensed to engage in the practice of medicine and surgery,
2. The health care services can be lawfully performed within the
scope of practice of a licensed dentist.
This is not true in every state, however, there
are dental health insurance plans that are readily available to you.
For example, InsuranceCompany.com is one of the largest dental insurance
websites on the internet. They have been serving the dental
community since 1983. Their dental insurance quoting service is easy
to use. Just enter your residential zip code and they provide
instant dental quotes for you and your family at reasonable rates.
DENTAL INSURANCE FAIRNESS ACT OF
BACKGROUND: Dental coverage
currently helps 173 million Americans get care that is vital to
ensuring good oral and overall health. During the 112th Congress,
Representative Paul Gosar (R-AZ), a dentist by profession,
introduced the “Dental Insurance Fairness Act of 2018” (H.R. 4818).
This bi-partisan legislation will be re-introduced during the 113th
Congress as the “Dental Insurance Fairness Act of 2018.”
Many employers maintain
self-insured dental plans covered under the Employee Retirement and
Income Security Act (ERISA), which means they are regulated by
federal law rather than state insurance law. JUSTIFICATION: This
bill would help consumers receive the full value of their dental
coverage. Passage of this legislation would provide a more equitable
system for dental patients, making dental care more affordable and
accessible. Unfair practices have crept into common practices of
dental benefit plans. They hinder families’ ability to receive the
full benefits for which they pay.
In some cases, this can shift funds
that should cover those benefits into profits for the dental
insurance industry. This can occur when a family pays premiums for
coverage under two separate dental plans but the plans’ practices
prohibit a secondary plan from paying any of the cost of care. As a
result, a family is paying for coverage that is not there when they
may need it.
In addition, plans that prohibit
beneficiaries from assigning payment for dental services directly to
non-participating dentists are unfairly and unnecessarily penalizing
patients who choose to go outside a network to receive care. If
families can’t assign benefits, they are forced to pay the dentist
themselves and then file paperwork and wait for their dental plans
to reimburse them.
The Dental Insurance Fairness Act
would require that:
• All self-funded health plans that
offer dental benefits will provide uniform coordination of benefits.
When a consumer is covered by more than one plan, the secondary
payer should be responsible for paying the remainder of the claim
(up to, but not exceeding, 100 percent of the amount of the claim).
To do otherwise provides the insurance industry with an unfair gain
at the expense of beneficiaries.
• All self-funded health plans that
offer dental benefits will permit assignment of benefits. The bill
will permit consumers to designate a dental plan’s payment to
providers who do not participate in the network (called “assignment
of benefits”), so that the patient’s family does not have to pay for
covered services out-of-pocket and wait to be reimbursed by the