|By Marketwired .||
|February 10, 2014 10:19 AM EST||
PLANTATION, FL -- (Marketwired) -- 02/10/14 -- As the Affordable Care Act (ACA) discussion switches from accessing the federal and state health exchange web sites, to what care is provided, millions of Americans are finding out that dental care for adults and seniors, and even children in some cases, remains uncovered. According to the National Association of Dental Plans, 126.7 million Americans lack dental coverage nationwide -- nearly three times the number of medically uninsured.
Here is a look at how the ACA may affect your family's access to dental care.
Children. While the ACA defines dental services as an Essential Health Benefit (EHB) for children (up to 19 years), this does not mean that dental care will automatically be a part of a family's insurance plan or that they will be covered. The ACA marketplaces are required to offer pediatric dental plans, but they may be separate from the medical plan and sold as stand-alone policies. It is these stand-alone policies that worry experts and deter consumers from the exchanges. Families who opt not to buy stand-alone dental coverage for their children won't be penalized. And if they do purchase a stand-alone dental plan, it won't be eligible for a federal subsidy, even if they are eligible for help in buying their overall health plan.
Connecticut is one of the few states that offers pediatric dental in all of its health plans. Some states require parents to purchase stand-alone dental plans, like Washington and Nevada. State exchanges in New York and Massachusetts, and most of those run by the federal government, offer a choice of health plans with or without embedded pediatric dental benefits and stand-alone plans. Each state has a lot of leeway in determining what dental services are offered, especially when it comes to setting deductibles, co-payments and co-insurance. That leaves families vulnerable to the possibility of paying thousands of dollars for dental care even though they have insurance. Families should consider their children's potential dental needs and how the costs are applied when evaluating plans in their state.
Adults. Overall, dental coverage for adults is decreasing due to the elimination of adult dental Medicaid benefits in many states. In 2010, 22 states provided no adult Medicaid dental benefits, and since that time additional states have severely curtailed their dental benefits. And as a result of the ACA, the National Association of Dental Plans has estimated that up to 11 million Americans may drop dental coverage when their children are removed from their dental policies.
The ACA does not require adults to be covered for dental services in medical plans. Therefore, adult dental benefits have to be purchased separately, because they are optional under the law. Stand-alone dental plans may be available through the federal health exchange, healthcare.gov, but only with the purchase of medical insurance plans. For example, if you have health insurance through your employer, but not dental insurance, you won't be able to buy just dental coverage on healthcare.gov.
Seniors. As the Baby Boomers retire they will lose employer sponsored insurance and need to pay out-of-pocket for dental care or obtain alternative coverage such as through a Medicare Advantage plan. According to a recent study prepared for the American Dental Association, two-thirds (66 percent) of adults 65 and over have no dental coverage. For the most part, Medicare has never covered comprehensive dental benefits for seniors; the program pays only in certain cases where dental and medical needs intersect. And only two percent of retirees have dental coverage through a prior employer, according to Oral Health America.
When evaluating marketplace plan options, individuals and families should consider the following factors:
- Identify covered dental or vision services, co-payments and reimbursement percentage levels.
- Know the deductible that must be met before non-preventive services are covered.
- Review the network to see whether changes in providers may be needed.
- Understand whether there is a waiting period that must be met before using the benefits.
- Know whether there are exclusions or conditions for coverage.
- Know whether the out-of-pocket maximum applies separately to dental or if the medical out-of-pocket applies.
The goal of health care reform is to extend affordable benefits to Americans who may not have had the opportunity to purchase them in the past. This mainly includes individuals who are self-employed or work for small employers with fewer than 50 employees. This however, does not include most dental and vision benefits sold in stand-alone policies, which account for 98 percent of dental and vision benefits for adults. The ACA really falls short in covering this gap for most Americans when it comes to their dental care.
"We think quality dental care should be accessible and affordable to everyone," says Jennifer Stoll, president of DentalPlans.com. "That's the basic premise of DentalPlans.com, to provide access to quality services in a format that provides information that is easy to understand. Oral and vision care is an essential part of a person's overall health and well-being and lack of coverage can really impact your quality of life. We in fact are already a private exchange for dental savings plans, and have been operating as a marketplace since 1999."
Sweeping changes in dental coverage are driving growth in the discount dental plan market, according to the National Association of Dental Plans (NADP). As the ACA is instituted, approximately 30 to 40 million people will enter the dental benefits market and another 10 to 20 million people will either lose or change their current benefit plans. As a result, more dental patients will pay for their services in cash, making dental savings plans, like those offered by DentalPlans.com, a more popular choice for Americans.
Dental savings plans provide programs that help individuals, families, and groups save on their dental care and other health-related services, with one low annual fee. Similar to a warehouse club, consumers pay an annual fee and get access to significantly reduced rates on dental services, cosmetic dentistry and orthodontia, as well as vision and prescriptions, depending on the plan they choose. Services may include annual cleanings, x-rays, crowns, root canals, and even cosmetic and orthodontic procedures, not typically covered by insurance.
The benefits of a dental savings plan include savings of 10 to 60 percent off what you would pay without a savings plan or insurance, no waiting to use your plan, no claims to file, no limit on how often you can use your plan, and offer an open-enrollment. Even if you already have dental insurance, the dental savings plans may be used along with your dental insurance for even more savings on your dental care once your annual maximums have been met. The savings can be substantial. For example:
Plan: Careington Care 500 Series
Scenario: Two Adults and Two Dependent Children
Annual Family Membership Fee: $189.95
---------------------------------------------------------------------------- Typical Dentist Sample Total Savings Fee Discounted Fee ---------------------------------------------------------------------------- Routine 6 Month Check-up $63/person $19/person $176 for four ---------------------------------------------------------------------------- Adult Teeth Cleaning $122/adult $39/adult $166 for two ---------------------------------------------------------------------------- Child Teeth Cleaning $84/child $31/child $106 for two ---------------------------------------------------------------------------- Four Bitewing X-Rays $80/person $26/person $216 for four ---------------------------------------------------------------------------- Total Savings $664* ----------------------------------------------------------------------------
Using the Careington Care 500 Series plan, which costs a low annual fee of $189.95, a family of four could save $626 just on their annual ADA recommended treatments alone. That's $436 in savings, when including the cost of the plan. And the savings can really add up when considering additional dental care that may be needed for you and your family, like sealants for children's teeth, crowns, braces, and more.
DentalPlans.com has been providing dental savings plans since 1999. The company offers an extensive selection of comprehensive dental savings plans from the nation's most trusted networks, like Aetna and Careington, and more than 100,000 dentists to choose from nationwide. Participating dental specialists include orthodontists, oral surgeons, periodontists, endodontists, pediatric dentists, and general dentists. DentalPlans.com also offers discount plans for vision, hearing, chiropractic, and pharmaceutical services.
DentalPlans.com has successfully been operating as a private exchange since 1999, as the leading retailer of dental savings plans. Similar to a membership at a warehouse club, consumers pay an annual fee and get access to reduced rates on dental services and cosmetic dentistry and orthodontia, as well as vision and pharmacy. Members can choose from more than 30 different plans from trusted healthcare brands, like Aetna, Careington, Signature Wellness, and UNI-CARE, and have access to more than 140,000 dentists in combined networks nationwide. DentalPlans.com has affordable plans to fit any need and budget. And, depending on the plan you choose, consumers save 10 to 60 percent off services. Visitors of DentalPlans.com can compare plans by ZIP code or procedure, view sample savings and find a nearby dentist. DentalPlans.com is committed to making you smile, by making access to quality oral healthcare affordable and available to everyone nationwide. It's one of the reasons the company has been on the Inc. 5000 list, 3 years standing. To connect with DentalPlans.com visit us at www.dentalplans.com or on Facebook at www.facebook.com/dentalplans.
*Individual plans vary.
*Regular cost is based on the national average of the 80th percentile usual and customary rates as detailed in the 2013 FairHealth Report in the Los Angeles, Orlando, Chicago and New York City metropolitan statistical areas.
*These fees represent the average of the assigned Careington Care 500 Series fees in the Los Angeles, Orlando, Chicago and New York City metropolitan statistical areas.
Prices subject to change.
Effectively SMBs and government programs must address compounded regulatory compliance requirements. The most recent are Controlled Unclassified Information and the EU's GDPR have Board Level implications. Managing sensitive data protection will likely result in acquisition criteria, demonstration requests and new requirements. Developers, as part of the pre-planning process and the associated supply chain, could benefit from updating their code libraries and design by incorporating changes. In...
Dec. 5, 2016 02:15 PM EST Reads: 1,075
20th Cloud Expo, taking place June 6-8, 2017, at the Javits Center in New York City, NY, will feature technical sessions from a rock star conference faculty and the leading industry players in the world. Cloud computing is now being embraced by a majority of enterprises of all sizes. Yesterday's debate about public vs. private has transformed into the reality of hybrid cloud: a recent survey shows that 74% of enterprises have a hybrid cloud strategy.
Dec. 5, 2016 02:00 PM EST Reads: 2,183
You have great SaaS business app ideas. You want to turn your idea quickly into a functional and engaging proof of concept. You need to be able to modify it to meet customers' needs, and you need to deliver a complete and secure SaaS application. How could you achieve all the above and yet avoid unforeseen IT requirements that add unnecessary cost and complexity? You also want your app to be responsive in any device at any time. In his session at 19th Cloud Expo, Mark Allen, General Manager of...
Dec. 5, 2016 01:45 PM EST Reads: 1,698
Get deep visibility into the performance of your databases and expert advice for performance optimization and tuning. You can't get application performance without database performance. Give everyone on the team a comprehensive view of how every aspect of the system affects performance across SQL database operations, host server and OS, virtualization resources and storage I/O. Quickly find bottlenecks and troubleshoot complex problems.
Dec. 5, 2016 01:15 PM EST Reads: 2,014
The 20th International Cloud Expo has announced that its Call for Papers is open. Cloud Expo, to be held June 6-8, 2017, at the Javits Center in New York City, brings together Cloud Computing, Big Data, Internet of Things, DevOps, Containers, Microservices and WebRTC to one location. With cloud computing driving a higher percentage of enterprise IT budgets every year, it becomes increasingly important to plant your flag in this fast-expanding business opportunity. Submit your speaking proposal ...
Dec. 5, 2016 01:15 PM EST Reads: 2,153
"Coalfire is a cyber-risk, security and compliance assessment and advisory services firm. We do a lot of work with the cloud service provider community," explained Ryan McGowan, Vice President, Sales (West) at Coalfire Systems, Inc., in this SYS-CON.tv interview at 19th Cloud Expo, held November 1-3, 2016, at the Santa Clara Convention Center in Santa Clara, CA.
Dec. 5, 2016 01:00 PM EST Reads: 836
Without a clear strategy for cost control and an architecture designed with cloud services in mind, costs and operational performance can quickly get out of control. To avoid multiple architectural redesigns requires extensive thought and planning. Boundary (now part of BMC) launched a new public-facing multi-tenant high resolution monitoring service on Amazon AWS two years ago, facing challenges and learning best practices in the early days of the new service. In his session at 19th Cloud Exp...
Dec. 5, 2016 12:45 PM EST Reads: 665
DevOps is being widely accepted (if not fully adopted) as essential in enterprise IT. But as Enterprise DevOps gains maturity, expands scope, and increases velocity, the need for data-driven decisions across teams becomes more acute. DevOps teams in any modern business must wrangle the ‘digital exhaust’ from the delivery toolchain, "pervasive" and "cognitive" computing, APIs and services, mobile devices and applications, the Internet of Things, and now even blockchain. In this power panel at @...
Dec. 5, 2016 12:34 PM EST Reads: 169
Bert Loomis was a visionary. This general session will highlight how Bert Loomis and people like him inspire us to build great things with small inventions. In their general session at 19th Cloud Expo, Harold Hannon, Architect at IBM Bluemix, and Michael O'Neill, Strategic Business Development at Nvidia, discussed the accelerating pace of AI development and how IBM Cloud and NVIDIA are partnering to bring AI capabilities to "every day," on-demand. They also reviewed two "free infrastructure" pr...
Dec. 5, 2016 12:30 PM EST Reads: 941
Major trends and emerging technologies – from virtual reality and IoT, to Big Data and algorithms – are helping organizations innovate in the digital era. However, to create real business value, IT must think beyond the ‘what’ of digital transformation to the ‘how’ to harness emerging trends, innovation and disruption. Architecture is the key that underpins and ties all these efforts together. In the digital age, it’s important to invest in architecture, extend the enterprise footprint to the cl...
Dec. 5, 2016 12:30 PM EST Reads: 2,287
Fact: storage performance problems have only gotten more complicated, as applications not only have become largely virtualized, but also have moved to cloud-based infrastructures. Storage performance in virtualized environments isn’t just about IOPS anymore. Instead, you need to guarantee performance for individual VMs, helping applications maintain performance as the number of VMs continues to go up in real time. In his session at Cloud Expo, Dhiraj Sehgal, Product and Marketing at Tintri, sha...
Dec. 5, 2016 11:45 AM EST Reads: 925
Whether your IoT service is connecting cars, homes, appliances, wearable, cameras or other devices, one question hangs in the balance – how do you actually make money from this service? The ability to turn your IoT service into profit requires the ability to create a monetization strategy that is flexible, scalable and working for you in real-time. It must be a transparent, smoothly implemented strategy that all stakeholders – from customers to the board – will be able to understand and comprehe...
Dec. 5, 2016 11:38 AM EST Reads: 196
CloudJumper, a Workspace as a Service (WaaS) platform innovator for agile business IT, has been recognized with the Customer Value Leadership Award for its nWorkSpace platform by Frost & Sullivan. The company was also featured in a new report(1) by the industry research firm titled, “Desktop-as-a-Service Buyer’s Guide, 2016,” which provides a comprehensive comparison of DaaS providers, including CloudJumper, Amazon, VMware, and Microsoft.
Dec. 5, 2016 11:30 AM EST Reads: 786
Businesses and business units of all sizes can benefit from cloud computing, but many don't want the cost, performance and security concerns of public cloud nor the complexity of building their own private clouds. Today, some cloud vendors are using artificial intelligence (AI) to simplify cloud deployment and management. In his session at 20th Cloud Expo, Ajay Gulati, Co-founder and CEO of ZeroStack, will discuss how AI can simplify cloud operations. He will cover the following topics: why clou...
Dec. 5, 2016 11:30 AM EST Reads: 763
"Dice has been around for the last 20 years. We have been helping tech professionals find new jobs and career opportunities," explained Manish Dixit, VP of Product and Engineering at Dice, in this SYS-CON.tv interview at 19th Cloud Expo, held November 1-3, 2016, at the Santa Clara Convention Center in Santa Clara, CA.
Dec. 5, 2016 11:15 AM EST Reads: 940