A report issued by The Pew Center on the States has shown that residents of Tennessee suffering from toothaches and other dental problems are finding themselves in hospital emergency rooms as many of them cannot afford preventive care and are not covered by dental insurance. Residents of that state have made over 55,000 visits to emergency rooms since 2009 due to issues with their teeth or because of jaw disorders. Adults do not receive dental coverage by TennCare, and many employers within Tennessee do not include dental coverage in their…
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IBISWorld report shows the challenges and triumph of the dental insurance industry
IBISWorld, a market research firm serving many industries, has released a new report detailing the challenges facing the dental insurance industry as well as its successes over the past five years. Dental insurance is a rarity in the U.S., accounting for just 7% of all active insurance policies found in the country. While some of this may be due to persistent fear regarding dentistry from consumers, insurers claim that much of the industry’s shortcomings come from a bad economy and rising costs in medical care. The report shows that dental…
Read MoreDental Insurance: How Much Do You Know About It?
People like to purchase insurance for things we think are valuable, like homes, cars, business and health. But we usually ignore the importance of one thing that we use everyday. Yes, we mean your teeth! We know that our teeth will affect what we eat and how we feel. Most of us pay attention to dental care only when our teeth severely ache. However, do you know heart diseases or strokes sometimes are associated with dental problems? In fact, regular dental care not only helps keep the mouth health, but also…
Read MoreMaryland health insurance exchange board submits recommendations to state legislators on how to build an exchange program
Maryland lawmakers are scheduled to consider recommendations from the Board of the Maryland Health Benefit Exchange regarding how the state should construct and insurance exchange system. The board introduced their recommendations to the General Assembly on Tuesday, but legislators will not decide what to do until the beginning of next year. The state is required to establish an insurance exchange system by federal law, but Maryland legislators have been slow in passing any new laws that would make the program a reality. The insurance exchange board was formed to guide…
Read MoreFederal government allows state insurance authorities to choose their own insurance benefits packages
The federal government has released the benefits framework attached to the Affordable Care Act that will help shape the benefits millions of people will receive with their health insurance policies in the coming years. The government began working on the framework after states issued complaints about the health care law not being clear on how it would affect benefits. States have been vying for control of the matter, and now the federal government has agreed to allow state insurance regulators to decide the specifics of the benefits given to consumers.…
Read MoreSurvey shows Americans are avoiding the dentist due to the struggling economy
The Brighter.com “2011 Survey of Dental Care Affordability and Accessibility” conducted by Empirica research along with University of Southern California professor Dr. David Neal has shown that about half of all Americans do not have dental insurance, and that in 2010, the premiums for dental coverage rose by a much greater amount than those for medical insurance. This fact, in combination with the struggling economic times, is meaning that an increasing number of people are pushing dental care down on their priority lists because they feel they cannot afford it.…
Read MoreWhat consumers can expect from Medigap coverage
According to senior Medicare adviser from PlanPrescriber, Steve Zaleznick, consumers with original Medicare have been watching their insurance premiums steadily climb, and it is recommended that these individuals carefully consider their Medigap supplemental coverage in order to make sure that adequate protection under a less expensive plan. According to the director of benefits access policy of the Washington D.C.-based nonprofit advocacy organization, National Council on Aging, Hilary Sohmer Dalin, Medigap plans are designed to function with the original Medicare plan, and “Medigap wraps itself around Medicare and covers some or…
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