Employee Retirement Income Security Act (ERISA)
The ADA is working with lawmakers to ensure patients receive the full value of their dental benefits. Unfortunately, the Employee Retirement Income Security Act (ERISA) does not prevent insurance companies from denying consumers' ability to use secondary dental benefits or allow their dentist to deal directly with the insurers to prevent hefty out-of-pocket costs for services provided out-of-network.
- Requiring self-insured, employer-sponsored dental benefit plans—acting as secondary payers—to honor the plan benefit for the unpaid balance of a dental claim (i.e., coordination of benefits).
- Requiring self-insured, employer-sponsored dental benefit plans to pay the treating dentist directly whenever a patient requests it, even when the treating dentist does not participate in the patient's dental payment plan (i.e., assignment of benefits).
The Association's priorities are based on the major policies and positions (PDF) (Members Only) adopted by the ADA House of Delegates.
Letters and Testimony
- August 16, 2012—Letter (PDF) from the Connecticut Dental Association urging Sen. Richard Blumenthal to introduce the Dental Insurance Fairness Act of 2012.
Letters and Testimony reflect the Association's position(s) on specific bills, regulations, and other policy issues, and are based on the major policies and positions (PDF) (Members Only) adopted by the ADA House of Delegates.
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- Learn about legislative and regulatory issues that could affect dentists as practitioners, employers, and consumers.
TAKE ACTION by talking to your legislators.
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