Broker blog from Delta Dental

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The intelligent future of dental insurance

First, let’s set the record straight: Artificial intelligence, or AI, in the dental industry doesn’t mean your dentist will be replaced by a robot. (Although, yes, a robot dentist might be kind of awesome.)

Instead, for both dentists and insurance companies, AI technology will bring accuracy, consistency and efficiency to a new level. And the good news is that this futuristic technology is here now.

What is artificial intelligence, anyway?

While the technology is complicated, the idea behind it is simple: AI uses computer software to analyze large sets of information and find patterns in them. As it gathers more and more information, it gradually learns to assess situations and then make informed decisions or predict outcomes.

So what does artificial intelligence mean for the dental industry?

When a patient visits the dentist for to receive treatment for a dental issue, two things must occur. First, the dentist must determine the appropriate procedure and submit a claim to the insurance company. Second, the insurance company must determine whether the dentist’s claim is valid and the procedure will be covered.

For both dentists and insurers, inconsistency and disagreements during this process can cause frustration and delays, which can in turn lead to frustration and delays in treatment for your clients.

Here’s how AI can help.

AI can make quick, impartial decisions

In many cases, AI can analyze data far more quickly and accurately than a person can, and can act as a second opinion. One of the most promising applications for AI is analyzing oral imagery, or as they’re more commonly known, x‑rays.

“When dentists make diagnostic decisions, there are clear-cut rules,” said Dr. Daniel Croley, Delta Dental’s chief dental officer. “There are clinical rules that say, ‘This is decay,’ or ‘This is periodontal disease.’ However, that’s also open to some interpretation, and dentists have different levels of aggression when they want to treat disease.”

AI analyzes x‑rays to bring consistency and reliability to decision making, Croley said.

AI can help eliminate fraud

Certainly, most dentists are ethical and want to provide only appropriate treatment for their patients. Still, insurers have to watch out for those few bad actors who abuse the system to help ensure dental care remains safe, effective, available and affordable for your clients.

For questionable claims, insurance companies have teams of dentists available to review claims and the accompanying x‑rays for fraud. But the volume of claims insurers receive (Delta Dental processed more than 34 million claims in 2020), makes manually reviewing every claim for fraud impossible.

AI can help dramatically expand insurers’ ability to detect fraud. By being able to examine and compare thousands of x‑rays, AI can quickly detect abuse such as resubmission fraud, where a dentist uses the same x‑ray to submit multiple claims, and overdiagnosis. (It can also identify honest errors, such as when a dentist mistakenly submits the wrong image.)

Because AI can retain vast amounts of information and compare it instantly, Croley said, it can identify potential fraud much more easily than a person can.

“It will be able to not only to review reports like we do to determine how a certain procedure was done,” Croley said, “but it can also look at the x‑ray that was submitted with it and say, ‘Hey, this was submitted last year for another patient.’ AI will be able to recognize that and learn as it as it goes along.”

It’s for this reason that Croley believes fraud detection is emerging as one of the leading uses for AI in dentistry right now.

This ability to detect fraud quickly and accurately is a win for everyone. It protects insurance companies from dishonest dentists and conversely ensures that ethical dentists are treated fairly by insurers when they submit claims. This trust and efficiency will in turn inspire confidence for your clients.

“We only want to have quality dentists and dentists who deliver quality care in our network,” Croley said. “What AI will help us do is to monitor our network very closely, develop appropriate oversight plans and then take action when necessary. And I think how that manifests for our members is more confidence in the dentists that are endorsed by Delta Dental as network providers.”

The future for AI in dental insurance looks bright

AI is still an emerging and evolving technology, so its full promise hasn’t been realized, and there are still challenges that must be overcome. For instance, many states require a licensed dentist to be involved in any review of a dental claim.

“There’s still a lot of rules around benefit determination at the state level,” Croley said, “but once regulation starts to keep up with the technology, we may see some of that evolve from a regulatory standpoint.”

Still, Croley is optimistic about AI’s potential and what it will mean for your clients. He believes AI will enable Delta Dental to improve the quality of treatment that its dentists deliver and members receive. This in turn will increase members’ confidence in Delta Dental.

“This is what I’m excited about,” Croley said.” People trust us to do the right thing, and AI will enhance the level of trust that they have with us.”

Dental fraud — what it is and how you can help fight it

Fraud accounts for an estimated 3% of the United States’ total spending on health care, according to the National Health Care Anti-Fraud Association. That may sound like a small percentage, but with dental spending in the United States projected to reach almost $200 billion by 2030, that means over $6 billion in dental fraud that year.

Dental fraud is “any crime where an individual receives insurance money for filing a false claim, inflating a claim or billing for services not rendered,” according to the American Dental Association. Fraud can take many forms, but it requires intent, deception and unlawful gain.

Fraud harms your business and your clients. It drives up the cost of coverage for your clients and their employees in the form of higher premiums. Every year, the average family in the United States spends an extra $400 to $700 on increased premiums because of fraud.

Common signs of fraud to watch out for

Because fraud requires intent and deception, there are signs to watch out for. Encourage your clients to instruct their employees to check their Explanation of Benefits statements and look out for dental offices that:

  • Submit claims for covered services when non-covered services are provided
  • Recommend unnecessary or expensive services when simple services will suffice (for example, recommending a crown when only a filling is necessary)
  • Report inaccurate treatments to the insurance company (for example, prophylaxis vs. periodontal maintenance)
  • Misrepresent dates of service to the insurance company
  • Fail to disclose insurance coverage to their patients
  • Refer patients to specialists when treatment is not needed

It’s entirely possible for dentists and staff to find themselves on the wrong side of the law after an attempt to help patients who might be seeking help with their coverage. Waiving coinsurance costs is one example of this. In other cases, it might be a simple oversight. Common mistakes considered fraud include:

  • Listing the incorrect treating dentist on a claim
  • Coding the wrong treatment (for example, prophylaxis vs. periodontal maintenance)
  • Altering dates of service

Fraud can also be perpetrated by dentists’ patients. Ask clients to let their employees know that the following actions are considered fraud.

  • Using another person’s ID or multiple IDs to obtain benefits
  • Requesting that dentists misreport dates to circumvent calendar year maximums or limitations
  • Misrepresenting available coverage to dental staff or asking them to misrepresent care to the insurance company (this includes concealing dual coverage)
  • Adding individuals to a policy who are not eligible dependents or family members

Finally, employers can find themselves on the wrong side of fraud law as well. Encourage clients to avoid:

  • Allowing ineligible people to enroll in coverage
  • Making inaccurate statements that can reduce workers’ compensation premiums. Such statements include misclassifying employees, underreporting employees, underreporting payroll, reporting full employees as independent contractors and misrepresenting the name under which your company does business.

What you can do to help protect yourself and your clients

Fraud can happen at any point in the process of providing care, accepting payment and submitting claims. Dental offices with clear, consistently applied policies can help everyone play their part in fighting fraud. Here are some general tips that your clients’ employees can keep in mind as they choose their dentists.

  • Request a pre-treatment estimate from dentists. This is a free service available to Delta Dental PPO™ and Delta Dental Premier® members. DeltaCare® USA members should review their benefit booklet for a list of covered services and applicable copayments.
  • Discuss coverage, fees and payment prior to the dentist providing services, especially for optional and non-covered services. This way employees will fully understand what their financial obligations are prior to accepting service.
  • Ask dentists if they have written anti-fraud policies and if their office staff has read and signed these policies.

To help clients’ companies avoid fraud, you can also:

  • Refer clients to the “Fight Fraud” flyer (PDF) as an educational aid
  • Encourage clients to implement a clearly defined anti-fraud policy and have employees sign it
  • Encourage clients to set up internal controls and segregate duties (for example, ensuring different sets of employees have access to plan assets and records, rather than putting one person in charge of everything)

What Delta Dental does to help prevent fraud

You don’t have to combat fraud on your own. We’re proud to be your partners in working to eliminate fraud at all levels and steps of the dental care process. What we do includes:

  • Educating our clients, members, dentists and employees about fraud detection and prevention
  • Conducting clinical patient examinations to ensure that provided services meet professional standards and were correctly submitted
  • Reviewing financial and treatment records to ensure contracts are followed
  • Reporting potential cases to state and federal law enforcement and cooperate with fraud investigations
  • Pursuing the recovery of funds when fraud is suspected
  • Terminating contracts when fraud is confirmed

If you suspect fraud, report it. Call Delta Dental’s Anti-Fraud Hotline at 800–526-1852. Provide this number to your clients and encourage them to do the same. Callers may remain anonymous if they choose.

How are dentists recovering from the pandemic?

In the months since the coronavirus (COVID-19) pandemic entered the United States, the future of the dental industry has been on relatively shaky footing. But despite fluctuating patient volumes, lower than normal dental spending and large-scale coverage losses across the country, outlooks for the future are looking positive as recovery from the pandemic gains momentum.

Patient volumes are increasing

For the first time since late March 2020, slightly more than 50% of dental practices are open with pre-pandemic patient volumes, according to the American Dental Association (ADA)’s report COVID-19: Economic Impact on Dental Practices, Week of March 15. With less than 1% of practices fully closed, over 99% of practices are now open and seeing patients.

A year ago, during the week of March 23, 2020, the ADA reported that 19% of practices were fully closed and 76% of practices were only seeing emergency patients. In the following months, practices began to reopen and saw slow but steady increases in patient volumes. By late August, almost half of practices were open with normal patient volumes. That percentage dipped down again in November, but slightly more than half of practices are now operating at their pre-pandemic levels.

Due to cancellations during the second and third quarters, many practices saw holes in their schedules during the fourth quarter of 2020 and the first quarter of 2021. Usually, a practice would have 80% or more of its schedule filled. The past year was much different, with the average schedule only 50% full. This dip occurred in part because some appointments in the first half of 2020 were cancelled due to the pandemic and then the appointments were not immediately rescheduled.

In good news, nearly three in every four patients believe that routine dental appointments are still important during the pandemic, according to a September 2020 survey by the Delta Dental Institute. Most respondents said they were worried about the long-term side effects of missing appointments. The results of this survey may suggest that patients will continue to return to dentists.

Dental care spending dipped in 2020

The dip in patient volume also a contributed to a projected dip in yearly dental spending. The ADA’s Health Policy Institute predicted in its June 2020 industry model that dental care spending would dip by up to 38% in 2020 and 20% in 2021. Their models didn’t take into account additional waves of COVID-19 cases. However, dental spending in 2020 dropped by 20%, a large drop but significantly less than the amount predicted by the ADA.

Compared to other health services, dental services had the largest decline in spending, possibly related to practice closures and patient anxieties about infection while receiving care.

Changes in coverage may have contributed to decline

Disruptions of the job market and financial instability caused by the pandemic have altered the insurance market. Almost 7.7 million workers with employer sponsored insurance (ESI) lost their coverage due to the pandemic. An additional 6.9 million dependents lost their insurance coverage when their family members lost jobs.

In the past year, 39% of Americans have chosen to reduce or eliminate their insurance for financial reasons. Some people see dental insurance as an additional cost that isn’t worth it when their oral health is currently good or their dentist isn’t in-network.

The strong link between employment and health insurance coverage has important implications for Americans’ insurance coverage and access to health care, as ESI is the most common form of health insurance in the United States. It’s also crucial that patients understand the connection between oral health and overall health as they make choices about their coverage.

Low risk of infection in dental practices

Despite dentistry being flagged as a high-risk profession for COVID-19 infections, the estimated rate of COVID-19 cases among dentists was less than 1%, according to a November 2020 study in JADA. Low rates of infection, about 3%, were identified in dental hygienists as well, according to a study published in the February 2021 issue of The Journal of Dental Hygiene.

These statistics suggest that enhanced infection control measures implemented by almost 99% of practices helped prevent infections in dental settings. Low rates of infections paired with the fact that nearly 80% of dentists have now received at least one dose of a COVID-19 vaccine, dental practices are very safe for patients and staff.

Positive outlooks for the future

There’s a bright light at the end of this long tunnel. About 44.9 million people have been fully vaccinated in the US and an additional 82.7 million people have received at least one dose of a COVID-19 vaccination. A large push to have enough vaccine doses for every American by May 1 may contribute to higher patient volumes in the second half of 2021. Additionally, 70% of Americans intend to get vaccinated or already are. Economic supplements and stabilizers from the federal government will potentially ease stress for some Americans who may be avoiding appointments for financial reasons. With fears of COVID-19 infection at the dentist easing, the future is looking bright for dentists who want patients back in their chairs.

The 2020 elections and the Democrats’ clean sweep: What’s at stake for dental insurance

In an earlier Insider Update article, we considered three possible outcomes of the 2020 United States elections and some possible implications of each.

Since then, the Democratic Party has gained control of the Senate, while winning the White House and keeping control (just barely) of the House of Representatives.

From the Delta Dental perspective, this “clean sweep” impacts all our stakeholders, including dentists, enrollees and our group customers. What follows are some potential opportunities and challenges that may affect you.

The Affordable Care Act (ACA) and the health insurance marketplace (exchange) system will be preserved and expanded

President Joe Biden’s administration has made restoring the ACA an immediate priority, and many of the cuts and restrictions imposed by the administration of former President Donald Trump are being reversed.

This is a positive development for the dental industry, said Jeff Album, Vice President of Public & Government Affairs for Delta Dental.

“News that’s good for the ACA and good for the exchanges is good news for the industry,” Album said. “This market and the increased subsidies attract people who wouldn’t otherwise get insurance.”

Among the ACA-related actions that are either underway or soon to happen under this administration:

A special enrollment period to increase exchange enrollment is officially underway

Biden signed an executive order to create a special enrollment period from February 15, 2021 through May 15, 2021, during which eligible people can enroll in coverage from the federal health insurance marketplace. Uninsured residents in the 36 states that use the federal exchange system, including those who lost coverage because of the pandemic, can look for plans.

States with their own marketplaces are also creating special enrollment periods, although the time frames and eligibility requirements may differ.

The Centers for Medicare & Medicaid Services (CMS) has earmarked $50 million for outreach and education during the enrollment period.

The ACA’s Navigator Program will return

Reversing the prior administration’s move to defund this program, CMS will now provide about $2.3 million to help people find coverage on the federal exchanges, a process that can be confusing. The money will fund 30 Navigator Programs in 28 states. This, Album said, should help bolster dental enrollment.

“Several studies suggests that consumers are completely unaware of marketplace open enrollment dates, including the special enrollment periods,” Album said. “We believe this type of outreach will definitely help promote adult dental voluntary enrollment.”

Subsidies for exchanges will increase

The $1.9 trillion American Rescue Plan Act of 2021 (ARP), which Biden signed into law on March 11, includes increases to ACA subsidies. Consumers with household income more than 400% the federal poverty threshold (about $51,000 per year) will receive federal assistance to ensure that no more than 8.5% of their income goes toward a plan.

“The subsidies are getting better and the Biden administration is trying to bring more people into the exchanges,” Album said. “A great many small business and individuals impacted by the economy and COVID will now have an opportunity to get exchange-based dental coverage.”

Waivers that allow states to circumvent exchanges may be eliminated

Section 1332 of the ACA permits states to apply for a waiver to pursue “innovative strategies” to provide their residents with access to affordable health insurance, so long as they retain the basic protections of the ACA.

However, in 2020, the state of Georgia used the 1332 waiver to effectively eliminate its exchange program and force Georgia residents to purchase plans from private insurers without any kind of centralized platform. As a result, Biden directed federal agencies to reexamine all waiver policies, including 1332.

“I think this administration is going to be tougher than the former one when it comes to deviating from the ACA’s framework,” Album said. “We’re not likely to see any other states attempt a direct enrollment alternative to centralized state-based exchanges or the federally facilitated exchange.”

Medicaid eligibility under the ACA will expand

The ARP also includes incentives to encourage states to expand Medicaid eligibility under the ACA. States that choose to expand would receive a 5‑percentage-point increase in Federal Medical Assistance Percentage (FMAP) payments to current Medicaid enrollees.

“The FMAP increases are important because that’s what allows states to do optional benefits like adult dental,” Album said. “Here in California, the adult dental Medicaid program was going to be in trouble if the state didn’t receive more financial assistance.”

A “public option” with a dental benefit could be created — but probably won’t

A public option would be a federal health insurance program offered on states’ exchanges as an alternative to private plans. It would probably be subsidized for lower income Americans and at least partially paid for by enrollees who don’t qualify for subsidies.

While dental coverage wouldn’t be a guaranteed benefit for anyone other than children, it could be made available on a voluntary basis.

Initially, it seemed as though a clean sweep by the Democrats would almost guarantee a public option. Candidate Biden repeatedly said he supported it during his 2020 campaign. And California Attorney General Xavier Becerra, Biden’s pick for Secretary of the U.S. Department of Health and Human Services and a long-time proponent single payer health care, said during a recent Senate hearing that he would support Biden’s efforts to do so.

However, the Democratic sweep in the 2020 election might not be enough to push this through. Despite their control of the Senate, the Democrats depend on the tie-breaking vote of Vice President Kamala Harris. Furthermore, the Democratic majority in the House narrowed significantly, which increases the leverage of moderate Democrats who aren’t enamored with the public option.

“Given the Democrats’ razor-thin majority in both the Senate and the House, and Republican opposition to the concept, a public option currently seems unlikely,” Album said. “I don’t see it happening.”

Leaving the ACA, here are a few other possible issues likely to come up for Congress and the new administration to consider that may potentially impact dental insurance.

A dental benefit could be added to Medicare

Democrats in the House and Senate have introduced bills to add dental under Medicare Part B. As introduced, these bills do not specify which benefits should be added, which makes it difficult to assess whether the proposals help or hurt existing Medicare Advantage dental plans.

“Neither the House nor the Senate is likely to take these bills up in earnest until the latter half of the year,” Album said, “but our goal will be to participate in discussions yet to come on how the industry can help facilitate bringing dental care to seniors without disrupting existing, successful programs.”

Questions remain

As with any new administration, there are more questions than answers at this point, and how — or if — some of these proposed changes will be implemented is uncertain. What is certain, however, is that we can expect more proposals and policy updates that will affect the dental insurance industry in the upcoming months. Be sure to refer back to Insider Update for news and updates as they become available.

Pediatric dentistry trends in 2021: How COVID-19 has affected children’s oral health

From work to school to every errand in between, the pandemic has affected just about every aspect of daily life, and as we’ve heard over and over again, children are struggling to keep up. As NBC News reports, grades are slipping and absenteeism is soaring. Sadly, and perhaps unsurprisingly, that absenteeism has also surfaced in other cornerstones of child development, including basic health care checkups.

Dropping numbers

Pediatric dental services were down 69% between March and May of 2020 year over year, according to the Centers for Medicare & Medicaid Services. During this time, of course, many practices had temporarily closed their doors. The numbers began to bounce back in May but are still lower than average. Delta Dental of California and its affiliates saw nearly a 10% drop in enrollees between the ages of 3 and 18 receiving exams or dental service from 2019 to 2020.

So, why the low turnout? A few reasons:

  • Apprehensions due to the pandemic. Perhaps the most obvious answer here, but a significant factor, nonetheless. Despite the many precautions taken by health professionals, some parents are still uncomfortable leaving their bubbles just yet. A majority of Americans spent the 2020 portion of the pandemic fearful of contracting the virus, according to a YouGov study. For at-risk parents with few other options, skipping out on these errands can be their only choice.
  • Limited options. With months of closures and capacities limited, simply securing an appointment can be difficult, never mind one at a convenient time. Balancing a home that is suddenly now an office and a school can leave few options for exhausted parents to get their children in the dentist’s chair. Additionally, needed care that might’ve been detected in a school clinic setting may go unnoticed with so many schools still closed. Medicaid beneficiaries are even more likely to struggle with these limitations, according to a poll by C.S. Mott Children’s Hospital at the University of Michigan.
  • Low priority. While small dental procedures are sometimes seen as easy to put off for children who still have baby teeth, there can be long-term effects. Left untreated, cavities can turn to abscesses or hinder the growth of healthy adult teeth.
  • Socioeconomic status. Perhaps the most concerning trend, however, is that of the deepening inequities in health care. The number of children without insurance hit a historic high in 2016 – well before the pandemic hit – and has continued to rise steadily since then, according to a study by Georgetown University. The pandemic, of course, has only exacerbated these issues.

Health care and wealth gaps

As the wealth and health care gap widens due to the pandemic, so do the many ways that such disparities trickle down to the nation’s children. According to the Journal of the American Dental Association, some of the biggest setbacks include:

  • Food deserts. Lack of healthy food options disproportionately affects low-income communities and nearly half of all students rely on free or reduced-price lunches. With schools closed, many families are forced to choose cheap and unhealthy options
  • Unprecedented job loss. With unemployment on the rise, so is lack of insurance or gaps in coverage. For unemployed or underemployed parents, losing employer sponsored coverage can mean unaffordable out-of-pocket costs for themselves and their children. Roughly 6.3% of the U.S. population remains unemployed, as reported in February 2021 by the Bureau of Labor Statistics.
  • Vicious cycle. A 2020 study by the Journal of Dental Research indicated that nearly half of the people who lost dental insurance during the pandemic will likely remain uninsured. This number is estimated to be even higher in states without Medicaid expansion.

Delta Dental and pediatric care

Delta Dental has been making strides to improve health and give back to our young and at-risk neighbors. In 2019, the Delta Dental Community Care Foundation provided nearly $20 million in funding to community organizations ranging from health centers to food banks. Many of the grant recipients are focused on pediatric health, including the Children’s Medical Center Foundation in Dallas, Texas, Family Health Centers of Southwest Florida in Ft Myers, Florida and Healthy Smiles for Kids (HSK) of Orange County, California.

In 2019, the Foundation funded a program through HSK called Prevention, Outreach, Education and Teledentistry (POET), which helps kids receive a comprehensive six-month dental check-up at their school, pediatric office or community sites. With this funding, the program was able to care for more than 25,000 underserved children.

Additionally, Delta Dental launched new teledentistry options this year, including an app called Toothpic. The program is intended to help patients, especially those struggling to make appointments, such as busy parents, get advice from a licensed dentist without leaving home or having to make a real-time appointment. With Toothpic, users simply answer a few questions and snap a photo of problem area. Within 24 hours, they’ll receive custom advice that includes options, costs and information on where they can find a Delta Dental dentist.

What’s next

The good news is that unemployment numbers are gradually dropping while COVID-19 vaccinations steadily rise. While this past year’s statistics may feel somber, they don’t have to be the final word. Affordable health care options like Medicaid’s Early and Periodic Screening, Diagnostic and Treatment (EPSDT) benefit for children, are more important than ever, as is education about the importance of dental health.

A quick look at people without dental insurance

In 2019, there were almost 74 million people, or nearly 25% of Americans, without dental insurance in the United States. At the height of the unemployment rate’s rise, coronavirus-related job losses and cutbacks left more than 16 million people without dental insurance from an employer. Some of that population will either purchase individual dental coverage, or else find coverage through government plans, but the number of individuals without dental insurance is still expected to increase to as many as 82 million individuals.

Let’s take a closer look at this growing market.

Who are the uninsured?

When examining the 2019 enrollment survey by the National Association of Dental Plans, there are two qualities that jump out when looking at the average uninsured individual.

The first is that people without dental insurance tend to be older than the average American, with an average age of 53.

Second, the uninsured are more likely to be women. Women make up 66% of the uninsured population in America.

Beyond that, the uninsured are a fairly diverse group.

  • Compared to the general population, the uninsured are less likely to be working full-time,with 40% employed and 40% retired. The remaining 20% are unemployed or not working by choice.
  • The uninsured are more likely to be non-Hispanic whites than the general population, at nearly 80% compared to 60.7% for the general population.
  • More than a quarter have children under age 26 at home. Over 40% of the general population has children in this age group at home, so the uninsured are less likely to have children at home than the general population.
  • More than half have some college education. The gap between the uninsured and the general population is very small here. As a whole, just over 50% of Americans over 25 have a bachelor’s degree or higher.
  • More than half of the uninsured are married or in a domestic partnership. A little less than a quarter are single, and the remainder are divorced or widowed.

Why don’t people have dental insurance?

One reason why the uninsured don’t have coverage may have to do with the high average age of the group. They may be retired or reliant on Medicare for insurance, and only Medicare C plans may cover dental. For these individuals, remind them of the low monthly cost of premiums and the size of Delta Dental’s network to help them see that dental coverage is both affordable on a fixed income and easy to access.

There may also be a general lack of information, particularly among those who are retired or jobless and don’t have a benefits administrator to curate plans. Share resources such as Grin! to help them understand why dental coverage is important and what their options are.

Some of the uninsured may have chosen to not have dental insurance, especially if they’ve been looking to cut costs due to changes in their employment status. Over the past year, 39% of Americans reduced or eliminated their insurance for financial reasons, according to Dentistry Today. Of those who have been furloughed or laid off because of COVID-19, this number jumps to 65%.

Common reasons given for choosing not to have insurance include:

  • “My oral health is already good, and I don’t need to visit the dentist.”
  • “Dental insurance isn’t worth the money. I’d rather pay out of pocket.”
  • “I don’t have insurance, because I use a flex spending or health savings account to cover costs.”
  • “The dentist I see isn’t in the insurance network anyway.”

Sharing information about the benefits of dental insurance, even in times of economic uncertainty and the coronavirus pandemic, may help persuade these individuals. You can also remind them that having insurance can be worthwhile because it makes it easier to keep dependents covered, including some adult children.

COVID-19 and the uninsured

The disruptions caused by COVID-19 have affected the uninsured population especially hard. Without insurance to help catch issues early, the uninsured are more likely to have untreated oral health issues and other problems. People with oral health issues and chronic diseases are at higher risk of hospitalization from COVID-19, according to the Centers for Disease Control and Prevention. Having and using dental insurance can help lower the risk of serious complications from COVID-19.

Given that the uninsured population is more likely to be vulnerable to costly dental bills, inadequate dental care and experiencing health issues that go alongside poor oral health, dental coverage is more important than ever before.

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