The Un-Changing Dental Insurance Model
- Hana Rashid D.D.S.
- Jan 5, 2020
- 1 min read
As we begin a new year, we reflect on the all changes that have happened in the past decade and the one thing that has remained a constant is dental insurance.
Dental insurance annual maximums have remained at an average of $1500 since the 1970s when dental insurance was first created.
If dental insurance accounted for increases in cost of living and inflation, annual maximum benefits should be at least $10,000! A crown in the 1970s was much less than a crown in 2020 so the $1500 maximum was stretched a long way! Now, it can barely cover an exam, 2 cleanings, any xrays and 1 filling! If you need a root canal and crown, you won’t have anything left over and more than likely will pay over your estimated share of cost.
I can’t help but point out the obvious and it was eloquently phrased by my colleague, Dr. Alan Mead, DDS: “dental insurance is like a gift card from a control freak.” You receive money every year to use for your dental needs but it is controlled how you can use it and sometimes, when you can use it. Not everything is covered or certain procedures are covered. For instance, tooth colored fillings on back molars are downgraded to the coverage for silver fillings. Who does those anymore? This is outdated and needs to change as the new research shows there are stronger and far much safer filling materials.
With that said, continually waiting until dental benefits are available at the beginning of the following year will only delay needed treatment and could result in costlier treatment
Great overview. Dental insurance has stayed largely the same for years, but it's encouraging to see discussions around how the industry can evolve to better serve patients. Businesses looking to communicate these changes effectively can also benefit from working with a Top marketing agency to educate customers and build trust through clear, engaging content.
Great insights on how the traditional dental insurance model has remained largely unchanged despite evolving patient needs. It's interesting to see the discussion around making dental care more accessible and affordable through modern approaches. I also enjoy reading health, lifestyle, and community updates on the irish insider, which often covers topics that help people make informed decisions about their wellbeing. Thanks for sharing this informative article!
The dental insurance model has remained quite rigid over the years, often struggling to keep up with rising treatment costs and changing patient expectations. Many providers still rely on outdated structures that limit flexibility and can make coverage feel restrictive for both clinics and patients.
In situations like this, having access to adaptable financial solutions can help practices stay stable and continue offering quality care without unnecessary pressure on cash flow. Platforms like gridfinance can support businesses by providing more flexible funding options that better match real-world needs.
Love the perspective shared here on cannabis and mental health. It’s always great to learn something new. Also, if you’re looking for cheap car insurance in Edmonton, Insurance Genie is worth a look!
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