Dentist Believes Dental Insurance is Detrimental to Dental Patients

Dentist Believes Dental Insurance is Detrimental to Dental PatientsRecent statistics have stated that roughly one out of every two Americans lacks dental insurance coverage.

It has been proven that having dental insurance makes dental patients visit their dentist more often for treatment.

According to a report by the Institute of Medicine, patients who do not have dental insurance are approximately two-thirds less likely to have visited their dentist within the past year, compared with those who have dental insurance coverage.

But do these statistic tell the whole story on dental insurance?

The Wealthy Dentist conducted a survey asking dentists what percentage of their dental patients still carry dental insurance.

One general dentist responded, “We will file for all our patients but are not in network with any insurance companies. I see about 50% of patients with insurance.”

The dentists reported the following percentages of patients with insurance —

  • 29% — 50 – 70% of patients have dental insurance
  • 26% — 70 – 90% of patients have dental insurance
  • 18% — Less than 50% of patients have dental insurance
  • 13% — 90 – 95% of patients have dental insurance
  • 08% — Don’t accept dental insurance
  • 06% — Answered “other”

How dentists feel about dental insurance is another matter and here’s what they told The Wealthy Dentist in their survey responses —

“I hate dental insurance!” (Alabama dentist)

“Taking dental insurance allowances is a recipe for financial failure. Just look at the numbers.” (Pennsylvania dentist)

“Dental insurance? Bah humbug!” (Virginia oral surgeon)

“Dental insurance is detrimental to dental patients and practices.” (Texas dentist)

“Many of our patients know most dental insurances stink as far as reimbursement amounts and yearly maximums, yet 70% of them still carry dental insurance. It’s a huge factor around here.” (Ohio prosthodontist)

“We don’t accept dental insurance as a form of payment, but we will fill out their forms so they can get paid. Some insurance companies will then send a payment to us and we have to reimburse the patient.” (Illinois dentist)

“Dental insurance: love it/hate it, but so it goes.” (General dentist)

“There is a definite reduction in companies who are willing to provide dental plans and a definite move by patients to either drop their coverage or to seek out a dentist in their network.” (Texas dentist)

“Dental insurance creates more problems than it solves.” (California” dentist)

“We are not a preferred provider for anyone, but accept any insurance that allows out of network dentists. We do charge the patient the difference between our fees and what the insurance pays.” (General dentist)

“Regardless of our profession’s exhortations regarding lifelong dental health, the fact is that many people would never visit a dentist if they didn’t have dental insurance. The idea of “free” services is their motivation. If they had to pay the full cost, they wouldn’t visit the dentist at all.” (California dentist)

The Wealthy Dentist agrees with the last statement by a California dentist. Patients who have some type of dental health plan are more likely to return regularly to your dental practice and accept treatment recommendations.

This results in your dental practice having more active cases and fewer inactive patients, thus increasing your practice bottom line over time, which makes you more profits in the long run.

Dental Insurance Plans and The Affordable Care Act

Dental Insurance Plans and The Affordable Care ActAccording to the Pew Center report, approximately 5.3 million children are expected to gain dental coverage after 2014 as part of the Affordable Care Act.

The Act includes a plan for pediatric dental insurance plans that will be sold in insurance exchanges, both packaged with adult plans and as stand alone plans, as reported by Healthcare Finance News.

Joanne Fontana, an actuary who tracks healthcare and health insurance for the actuarial and consulting firm Milliman, told Healthcare Finance News, “It’s a very, very big shift from the way dental insurance is currently sold. For the first time, there’s a need for pediatric-only plans. State and federal governments still need to decide benefit levels and cost structures for stand-alone dental plans and medical-dental packages, in and outside of the exchanges.”

Many states have yet to figure out whether or not they will offer exchanges and the details of changes to insurance plan offerings.

There is still a lot of confusion about how the Affordable Care Act will be implemented.

Part of the confusion stems around whether or not health insurers will be able to offer medical plans without pediatric dental plans for individuals and small groups, and through the exchanges.

There is also concern that children will have duplicate dental insurance coverage, or families who have separate dental plans will be forced to have their pediatric dental plan changed to fall under their health insurance plan.

This could mean being forced to change dentists, which is something many parents and dentists alike will not be happy about.

“Another uncertainty comes from ACA rules on cost sharing limits for essential health benefits. Hypothetically, if someone has a medical plan for themselves and his or her child, and has a separate dental plan for the child, somehow the two insurance companies have to co-administer cost sharing limits–a problem without easy solutions.” Fontana advised Healthcare Finance News. “If you’re going to administer that, you would have to have claims accumulators going on the medical side and claims accumulators on the dental side that would have to talk to each other. For that to happen in reality, it’s just not a pragmatic solution.”

ADA members are increasingly concerned about the effects the ACA will have on their dental practices in 2014.

What are your thoughts about dental coverage in the Affordable Care Act? How do you think it will affect your dental practice? Let us know in the comments!

For more on this story see: Dental Insurers Eye 2014, Await Regulatory Guidance

Dentist Believes Dental Insurance is Wonderful (video)

Dentist Believes Dental Insurance is Wonderful (video)The recent U.S. Supreme Court’s 5-4 ruling on the Affordable Care Act has brought dental insurance coverage back into news headlines with approximately one out of every two Americans living without dental insurance.

By now it’s conventional wisdom that the American healthcare system is somewhat broken and most dentists think that dental insurance is at least as broken as medical insurance.

The Wealthy Dentist conducted a survey of dentists asking if dental insurance is just as broken as medical insurance.

Asked one dentist respondent, “At $1,000 per year in benefits, sometimes hardly paying for one tooth, how can you even call it insurance?”

But another dentist disagreed, “Dental insurance is wonderful. People who would never attend the dentist now have good care. The fact that some dentists charge more than the plans pay is their problem. I make my living from dental insurance.”

To hear more of what dentists had to say about dental insurance, Click on Play to watch the following video —

What are your thoughts on dental insurance?  Friend or foe?

Dentists Think Dental Insurance Is Not Meeting the Needs of Patients (video)

Dental Insurance is Not Meeting the Needs of PatientsBy now it’s conventional wisdom that the American healthcare system is somewhat broken and most dentists think dental insurance is at least as bad as medical insurance.

Asked one dentist, “At 1,000 per year in benefits , sometimes hardly paying for one tooth, how can you even call it insurance?”

But another dentist disagrees, Dental insurance is wonderful. People who would never attend the dentist now have good care. The fact that some dentists charge more than the plans pay is their problem. I make my living from dental insurance.”

These are the kind of statements made by dentists when The Wealthy Dentist conducted a survey asking dentists if they think dental insurance is just as broken as medical insurance.

Click on Play to hear more of what dentists had to say about the state of dental insurance –

What are your thoughts?  Is dental insurance not meeting the needs of dental patients?

Disclaimer

© 2017, The Wealthy Dentist - Dental Marketing - All Rights Reserved - Dental Website Marketing Site Map

The Wealthy Dentist® - Contact by email - Privacy Policy

P.O. Box 1220, Tiburon, CA 94920

The material on this website is offered in conjunction with MasterPlan Alliance.

Copyright 2017 Du Molin & Du Molin, Inc. All rights reserved. If you would like to use material from this site, our reports, articles, training programs
or tutorials for use in any printed or electronic media, please ask permission first by email.