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I recently had written an article concerning the fact that dental discount insurance was a misnomer - a combination of the terms 'dental discount plans' and 'dental insurance'. However there was some expectation that under the new medical care policy that dental discount insurance would become a real possibility - that we may very well be given a discount in our rates for having an excellent dental record, just as our costs in other types of insurance policy can be lowered. But, it seems that dental hygiene is such a low priority (after all, Congress has excellent dental insurance coverage at our expense!) that the matter never made it to the floor.

The A.D.A. is likely only concerned with 2 matters - more income for State health programs as it's regarding paying out more (in their pockets) towards oral hygiene. And more resources for public education and awareness regarding dental hygiene, that is the governments' ticket to pay for (meaning we foot the expenses).

Will I ever get to the great news? O.K. - here it comes - how your dental discount insurance plan will turn up - but in vain. Here's the offer. The health insurance sector as a whole is exempt from federal antitrust regulations. Essentially, antitrust regulations are meant to keep huge market sectors from price fixing, bid rigging, and taking control over a specific industry and dictating costs and product availability.

In February of this year, Congress voted for the repeal (406-19) of this exemption which the medical health insurance industry is thriving under. How does this assist you? To put it succinctly, more competition. Smaller enterprises will now have a level playing field to contend for your business - the dominance which the titans of the market have enjoyed could be challenged.

Thus you will get dental discount insurance, but it will come into play in the form of more competing rates and alternatives. Although not in the form of an insurance policy - at least right up until an even more competitive industry makes the product - and it is extremely likely that it will happen.

Please know these changes won't take place right away, but over the next few years. If you presently require a dental plan, there's no sensible reason to hold up your decision. Do a little research, locate a product which suits your needs, and remember that the increase of competition will drive prices lower - it always happens!

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