Letters: ACA and insurance
March 03, 2014
The ADA News article "'Patients' Insurance May Change Under ACA" (Jan. 10 ADA News) needs clarification. About 98 percent of adult dental insurance plans are stand-alone. In other words, they are not embedded or umbrella policies together with the patients' medical insurance plan.
When I was running for U.S. Senate to try to represent all dentists in the U.S. for the first time, I did my homework. The main coverage under ACA rules and guidelines for dental care is pediatric. Adult, non-embedded dental insurance plans are essentially not regulated or under the control of the ACA. Yes, there are changes that will affect the pediatric coverage and the miniscule number of adult embedded dental/medical policies. However, to blanket scramble and have to call plans for adult dental insurance will be a major waste of your office resources.
Scott Noren, D.D.S.
Editor's Note: The ADA has received a number of calls from members with questions and concerns about their inability to conduct routine coverage verification queries when individuals contact their office and claim to have dental coverage purchased on one of the new health care marketplaces. This problem is a direct result of confusion among carriers and patients because of the numerous technical glitches in the ACA rollout of the marketplaces that affect stand-alone plans as well as embedded products.