HEALTH CARE REFORM/DENTAL CARE REFORM?

We have been hearing and reading about health care reform. I was talking to a ‘wise old man’ the other day and he stated that dental care is critically important to overall physical health care but it appears costs are escalating to the point that people cannot afford to ‘pay upfront’ for dental services so dental care is ignored.

Over 47 million are without health care insurance so over 47 million are without dental insurance. Millions more have health care insurance but do not have dental insurance.

Do we need to begin to think about DENTAL CARE REFORM ?

(you will hear more from the ‘wise old man’ in the near future-an engaging thought provoking individual)

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Comments

This is an important topic to so many, but I believe the above question should be framed differently. The real question is why have we let insurance companies spin dental off as a seperate product when, as mentioned, it is such an integral part of an individuals overall health.

Just as there have been recent strides in recognizing that mental health care should be incorporated into health insurance policies, I believe we need to question why dental coverage exists as a seperate insurance product.

Another topic related to health care reform that is not being addressed is our looming long term care crisis. Laments about the lack of dental coverage will pale in comparison to the tsunami of pain we will feel as a nation when we realize that we as a nation and as extended families cannot afford to care for those who cannot care for themselves.

You are absolutely correct about questioning the issue of a separate insurance product for dental coverage. The issue of long term care coverage is indeed looming as a potential crisis. The “nursing homes” we have today will not continue to exist as they are currently designed to take care of ‘old people’…..perhaps they will become ‘congregate care facilities’ to address only those who are terminally ill. It may be that the only way we as a nation will be able to address the baby-boomer population needs will be to train and pay families to take care of their loved ones at home (at a cost much less than $7,000 – $10,000 per month for SNF’s). Four states currently have what could possibly be the beginning of a model for the approach. Perhaps extended family care and a new entrepreneural concept will help soften the tsunami.

Excellent comment by David Forbes about spinning off Dental Care. It’s like the home insurance policies that have spun off natural disasters. Flood coverage, hurricane coverage are commonly marketed/sold seperately.

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