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Recently i had written 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 expectation that under the new medical care policy that dental discount insurance would become a reality - that individuals may very well be offered a discount in our rates for having a great dental record, just as our costs in other types of insurance could be lowered. However, 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. seems only worried about 2 matters - more money for State health programs as it's regarding spending more (in their pockets) towards oral care. Plus more resources for public education and awareness concerning dental hygiene, that is the governments' ticket to pay for (meaning we foot the bill).

Am i going to 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 offer. The health insurance sector as a whole has been exempt from government antitrust regulations. Basically, antitrust regulations are meant to keep huge market sectors from price fixing, bid rigging, and taking control over a specific industry and dictating prices and product supply.

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. Smaller enterprises will now have a level playing field to compete for your business - the prominence which the giants of the market have enjoyed could be challenged.

Therefore you will get dental discount insurance, but it will come into play in the form of more competitive prices and alternatives. But not in the form of an insurance policy - at least till an even more competitive industry makes the product - and it's very likely that it will happen.

You should know these changes won't happen right away, but over the next few years. If you presently require a dental plan, there's no sensible reason to delay your decision. Do some on-line research, locate a product that suits your needs, and remember that the increase of competition will drive prices lower - it always does!

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