If you missed any of this series, they can be found at www.thetowncommon.com.

How Premiums and Insurer Spending Shape Dental Benefits

The dental insurance industry is getting more and more competitive. Insurance companies are looking to increase profits and those purchasing dental insurance (usually employers), are mindful of the cost of plans. To increase profits, insurance companies either have to continue to increase the cost of their premiums, or decrease their expenditures. Employers certainly do not want to see an increase in premiums. So, most insurance companies are trying to remain competitive by keeping their premiums lower but paying out less in benefits. (more…)

If you missed any of this series, they can be found at www.thetowncommon.com.

Is there a solution to the dental insurance problem we have in this country? I can tell you the way I see it, different groups of dentists may have different views, large dental chains see it from a different perspective, consumers have varied opinions, and insurance companies are leading the way with their solution. These are all very different perspectives.

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This is the second column my series about the state of dental insurance in our country. The information presented is intended to explain “dental insurance” from a perspective which may be different than most consumer’s view of insurance. I encourage you to read all the columns in this series. If you missed any they can be found at www.thetowncommon.com. I hope the information helps you to make more informed decisions about your dental health.

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The Merriam-Webster definition of insurance is “coverage by contract whereby one party undertakes to indemnify or guarantee another against loss by a specified contingency or peril.” We have insurance on our house and car. If our car gets damaged, we usually pay a deductible and the insurance picks up the rest. If our house burns down, we have insurance to help us rebuild it. Unfortunately, that is not the way it works in dentistry.

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