Building on Success
Dental Insurance Reform – as embodied in the Dental Bill of Rights - puts power back in the hands of the patient, enabling them to stop wasting money on an insurance product that provides inadequate coverage by enacting consumer protections that ensure more reliability and predictability. Fortunately, Connecticut has begun to make the policy changes that are needed and necessary. But although they’ve taken the first steps, there are important components that remain undone.
The CSDA has been successful in convincing the legislature to pass 2 out of 3 components of the National Council of Insurance Legislators Transparency in Dental Benefits Contracting Model Act: Network Leasing, in 2021, and Virtual Credit Card, in 2018. It is a solid start.
What’s Next in 2022
- In the upcoming 2022 legislative session, we will be advocating for Prior Authorization legislation, also called Promise to Pay, which would make it more difficult for dental insurers to deny or reduce coverage for procedures that had been previously authorized. That is a policy that often puts dental offices in the middle between insurers and patients, taking the brunt of patient dissatisfaction. In a statewide survey just last year, 96% of Connecticut residents said that ending this practice is important to them.
- We also will be advocating for Connecticut to join 26 states that have already passed consumer protection laws that respond to an all-too-common practice – when insurance companies require a dentist to repay a claim the insurer has already paid when the insurer discovers they paid the claim mistakenly. And there’s no limit as to when an insurer can notify a dental office. Connecticut should impose a reasonable time limit, as other states have done, on these Retroactive Denials of Coverage.
- Connecticut has the opportunity to be among the first states to take action on the issue of Dental Loss Ratio, to impose protections for dental care by ensuring that a certain percent of collected premiums go to care, rather than administrative costs. Such limits already exist for medical care, but not yet for dental care, in all but a handful of states.
Strong Public Support
A resounding 92% of Connecticut residents believe it is important for the state to develop a Dental Bill of Rights that would “establish clear, simple and transparent” dental insurance processes. In fact, more than two-thirds (70%) of state residents say it is extremely important or very important to do so.
Let’s Get Started!
In the coming weeks, we will provide CSDA members with additional information and materials related to these efforts, and we appreciate your participation and support. We welcome any suggestions you have to advance these efforts in the months ahead, as the legislative session approaches.
Should you have any questions, please contact Kristina Diamond, Director of Government Relations & Policy, at email@example.com.