Question 2 suggests changing your dental insurance: What you need to know

Poll question initiated by Somerville An orthodontist improves the health of an estimated 25% of teeth. Massachusetts Residents without dental insurance – or premiums will rise, prompting employers to withdraw workers’ insurance.

question 2 November 8th The vote “requires companies to spend at least 83% of premiums on member dental costs and quality improvement instead of administrative costs, and by making other changes to dental insurance regulations, will reduce dental insurance rates.” are to be regulated”. In addition, insurers must disclose where these premiums are spent.

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1 in 4 insured people do not have dental insurance

Under state law, Massachusetts Residents are required to have health insurance. Massachusetts Health Insurance Survey It turns out that the uninsured rate in 2021 is 2.4%, which is higher than the national rate of 9.2%. Health insurers must allocate 88% of premiums to coverage. The measures proposed to amend dental insurance were designed as an effort to mirror patient health insurance across the Commonwealth.

In contrast, a 2017 study estimated that one in four state residents with health insurance had no insurance for dental health.of Massachusetts16.6% of all residents reported an unmet need for dental care due to cost in 2019.

“Even though dental insurance is cheaper on a monthly basis, the number and types of claims that occur in a typical year don’t require the staff work that health care does,” he said. Chris Cohanco-founder Showmat Strategy Groupwhich is working to support question 2.

“Healthcare is obviously a lot more complicated when it comes to trying and finding out problems and different treatments. There is a wide range of care. .”

Supporter’s opinion on question 2

Proponents say that if question 2 is passed, both insurance premiums and denial of service will decrease while covering more of a patient’s annual costs. Patients can also find out how their premiums are being spent. This information is not currently available to patients who pay large amounts for dental insurance.

Under question two, fewer patients will be placed in an “emergency” state to pay for dental care, Congressman said. John SantiagoD-bostonas an emergency room doctor, sees you regularly Boston Medical Center.

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“People with abscesses in their mouths get infected if they wait too long. If they had gone to the dentist, they might have been cured, but now they’re getting to the point where they have to go to the ER. for service,” he said.

This situation is more common because the patient’s health insurance covers the costs when it comes to “emergency” conditions.

“It’s very simple. It’s important for people who pay dental insurance premiums to ensure that their money is spent on dental care, and that that money goes to as little overhead as possible. .” Stephen OwensD-water townsaid in a telephone interview. This is not the case as long as dental insurance exists.

Question 2 is Massachusetts Dental Society and 13 Massachusetts legislators.

Opposition to Question 2

Dental insurance companies object to this question.

Opponents warn that premiums could rise by as much as 38%. Massachusetts As a result, residents may lose their dental insurance. The study that predicted this price increase was commissioned and funded by a trade group of dental insurance companies.

“It is likely that some operators will exit the market and the benefits offered by some operators will be reduced.” Jim Welcha former state legislator and spokesperson for the ‘No on 2’ campaign, told WBUR. costs will rise.”

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Welch said the bill, if passed, would unfairly hurt those who can’t afford it.

Kyle Sullivanspokesperson for Access Protection Committee I have expressed similar concerns to Quality Dental Care.

“Question 2 is Massachusetts Families and employers could lose thousands of residents from getting much-needed dental care. With consumer prices skyrocketing to all-time highs, the federal government doesn’t need this additional regulation that will only increase costs and reduce patient options statewide,” Sullivan said in a statement on behalf of the commission. said in

Dental insurance is a voluntary benefit, and far fewer residents have it than mandated medical insurance. However, dental insurance has fixed administrative costs similar to medical insurance.

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“Dental insurers have fewer dollars and fewer policyholders to cover administrative costs, so these costs make up a larger portion of dental premiums than medical premiums,” Sullivan said. I’m here.

Delta Dental, the state’s largest insurance company, $4 million In an effort to counter question 2, according to data from Massachusetts Office of Election Campaigns and Political Finance finished October 1stWBUR reported.

Massachusetts Dental Society contributed more than $200,000 To the “Yes on 2” campaign American Dental Association promised $5 millionMuhab Rizkala Somerville Orthodontists are the largest individual donors, $2 millionDozens of donations have come from individual dentists, most in the hundreds of dollars.

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