The NetMinder Blog
Most of the conversation over the last few years has been about dental PPO networks, however, the DHMO doesn't appear to be dead yet. After declining slightly in 2008, DHMO networks grew 4% and 6% in 2009 and 2010 respectively (Source: NetMinder, Top 10 DHMO networks).
While the National Association of Dental Plans (NADP) reports that dental HMO (DHMO) products continue to decline in market share (Source: NADP 2010 Dental Benefits Enrollment Report), network growth, along with new players entering the market, is also a good sign for a product's lifecycle. The attached release shows that Lincoln Financial Group is leveraging networks from Dental Benefit Providers (CA), Solstice Benefits, (FL), and National Pacific Dental (TX) to enter the DHMO market.
Given the effects of the ongoing recession, the lower price points of DHMO coverage may be a more pocketbook-friendly alternative.
In a possible sign of things to come in the wake of health care reform, Principal Financial turns health market over to United Healthcare - Articles - Employee Benefit News.
Update: Guardian also plans to exit medical market and focus on ancillary / non-medical lines.
Just when you thought it was safe to implement health care report changes...
As a small employer (4 employees), my choices for health coverage are either a small group plan or an individual plan. I've found that small group plans, with their guarantee issue requirements and limited medical underwriting, carry quite a bit of sticker shock. Individual plans, on the other hand, while still quite expensive, are less expensive than small group coverage. And high-deductible, consumer-driven individual plans look like the best "bargain" for me and my family. This article supports the fact that CDHP are a good deal for both employees and employers. Read on and let me know what you think.
Health care reform is confusing for those involved in the health insurance industry. The picture is even blurrier for those in the ancillary benefits space. Read about the vision benefits industry's efforts to get their message out in the post-reform enviroment.
As a provider of a cloud computing application (in the old days we called this a "hosted application"), I can certainly appreciate the benefit of such a service for physicians. It sounds like they're starting to see the benefits as well.
According to a study just released by the National Center for Health Statistics, approximately 45 million persons had no dental coverage. Among the 172 million people under 65 who already have private health insurance, nearly three-quarters have dental insurance too, mostly through an employer. About 8 out of 10 persons with employment-based private health insurance had dental coverage compared with about 3 out of 10 persons with directly purchased insurance.
The big question is, what will be the impact of health care reform on dental coverage? The short answer is - very different than medical coverage. For example, adults must buy health insurance or pay a fine starting in 2014. The law does not require them to buy other types of coverage like dental or vision, although some comprehensive health care plans include the additional coverage. While health plans must cover at minimum services like emergency care and prescription drugs, and are required to cover children, they do not have to cover oral care for adults.
What's your take on why different parts of your body are treated differently from an insurance perspective?
Link to a good summary of the study:
Link to the complete study: