I recently had written an article concerning the fact that dental discount insurance was a misnomer - a combination of the phrases 'dental discount plans' and 'dental insurance'. But there was some expectation that in the new health care policy that dental discount insurance would become possible - that we may very well be offered a discount in our costs for having a great dental record, just like our rates in other types of insurance policy can be lowered. However, it seems that dental hygiene is really a low priority (after all, Congress has great dental insurance coverage at our expenditure!) that the issue never made it to the floor.

The A.D.A. is likely only concerned with 2 matters - more money for State health programs since it's related to spending more (in their wallets) towards dental hygiene. And more resources for public education and awareness concerning dental care, which is the governments' ticket to pay for (which means you and i foot the expenses).

Will I ever get to the great news? O.K. - here it comes - how your dental discount insurance will turn up - however in disguise. Here's the offer. The medical insurance industry as a whole is exempt from federal antitrust regulations. Essentially, antitrust regulations are made to keep big market sectors from price fixing, bid rigging, and taking control over a particular market and dictating rates 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. So how exactly does this help you? The bottom line is, more competition. Small companies will now have a level playing field to contend for your business - the dominance which the titans of the market have appreciated can be challenged.

Therefore you will get dental discount insurance, however it will come in the form of more competing rates and alternatives. But not in the form of an insurance plan - at least till an even more competitive company creates the product - and it is rather likely that it will happen.

Please know these changes won't happen right away, but over the coming years. If you currently require a dental plan, there isn't any practical reason to hold up your decision. Do a little research, locate a product that suits your requirements, and be aware that the increase of competition will drive rates down - it always happens!

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