10/27/2022
Boston Globe endorses a Vote Yes on 2 For Dental Care
Please remember to vote YES on Question 2 on November 8th!
Vote YES on Question 2
OPINION
BOSTON GLOBE
EDITORIAL BOARD
OCTOBER 24, 2022
Forcing dental insurers to spend more of the premiums they collect on actual patient care would be a step in the right direction.
… [F]or many Americans, what makes visiting the dentist so unpleasant has nothing to do with the work that’s done while they’re sitting in the dentist’s chair; it’s the fact that they have to deal with what is far too often inadequate dental insurance, if they even have insurance in the first place.
That’s what’s at the heart of Question 2, the abstruse ballot measure that seeks to impose stricter regulations on dental insurers so that more of the money they collect in premiums is spent on patient care. … Massachusetts voters should seize this opportunity to improve dental coverage in the state by voting yes on Question 2.
It doesn’t take much to see how poorly dental insurers are serving people under the current system. More than half of Americans delay getting medical care — or avoid it altogether — because of burdensome costs, and the most frequently skipped form of care is dental work. …
This needs to change, and passing this ballot measure is the first step.
… By requiring that a minimum share of premium dollars be spent on patient care, which in this case would be 83 percent, dental insurers would be given a meaningful incentive to expand the number of procedures they cover or reduce out-of-pocket expenses if their medical loss ratio is below that threshold. Otherwise, they’d have to reimburse their clients.
While this would make Massachusetts the first state in the country to adopt this standard for dentistry, it’s not exactly unprecedented: The Affordable Care Act did the same for medical insurers. And given how much more coverage people get from their medical insurance than they do from dental, it’s clear that setting some baseline for how premium dollars are spent ultimately benefits consumers.
The Affordable Care Act precedent also shows that a medical loss ratio is not the kind of major burden on insurers that the opposition campaign will have you believe. Medical insurers in Massachusetts are required to have a medical loss ratio of up to 88 percent — higher than the federal standard under the ACA — and insurers in the state have managed just fine. …
… This issue has come before the Legislature a number of times in the past decade, but lawmakers failed to act — including on the bare minimum of requiring more transparency from dental insurers. That’s ultimately why voters should vote yes: to put pressure on lawmakers to finally take on the very real failures of the dental insurance industry to properly serve consumers.
… Perhaps the most important aspect of Question 2 is that it would require more transparency from insurers about how they spend their money. And as more data becomes available, regulations can improve in order to deliver better care for consumers while ensuring that insurers are not overburdened.
Dental insurers, who have been exempt from certain Affordable Care Act regulations, ought to be held to a higher standard. Passing this ballot measure will finally get the ball rolling on Beacon Hill — and make visiting the dentist a little less daunting.