H.R. 7931, the Improving Dental Administration (IDA) Act, would help ensure that state dental insurance laws protecting patients and providers apply consistently to self-funded dental coverage, and not just fully insured plans. Right now, carriers and plan administrators often argue that ERISA preemption allows them to avoid state laws, including Oklahoma’s recently passed noncovered services law.
This two-tiered system, where different patients receiving the same care may be subject to different protections based solely on plan design, creates confusion, delay, and expense for both doctors and patients, and often interferes with the doctor-patient relationship. Congress can fix this now by passing H.R. 7931 and finally close the ERISA loophole carriers often use to justify ignoring state dental insurance reform laws.
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