All my life, I've paid for medical insurance, including a dental plan.
I never thought twice about it. I just thought it was the right thing to do to protect yourself and offset the cost for treatment.
It wasn't until recently that I realized dental insurance plans seem to have more loopholes than benefits.
In December 2021, I went to my dentist to repair two broken teeth. My policy, which I purchased myself, came with a 12-month waiting period, forcing me to pay thousands of dollars out of pocket.
In 2022, I had more concerns with my teeth, and my trusted, highly trained dentist advised treatment to address the problem. However, my monthly dental insurance premiums didn't cover this necessary procedure, either.
Over the course of eight months, I had multiple procedures to fix my teeth and prevent more serious oral health issues. I again had to spend thousands of dollars out of pocket while my insurance paid just pennies on the dollar.
I was so fed up that I switched to another insurance carrier, only to be welcomed with another 12-month waiting period on major services and a six-month waiting period on basic services. The one thing that didn't have a waiting period was my monthly premiums.
The Dental Insurance Transparency Act (House Bill 1694) would guarantee that insurers put patients over profits and quit playing games with our care.
I ask the Legislature to quickly pass this bill so we can access the benefits we are paying for and deserve.
Editor's note: House Bill 1694 passed out of the House Insurance Committee 8-0.
Newsmakers for March 12 [Reading Eagle, Pa.]
Athens hopes study of Town Creek reduces need for flood insurance, opens areas for development [The Decatur Daily, Ala.]
Advisor News
- House panel votes to raise certain taxes, transfer money to offset Medicaid shortfall
- Iowa House backs temporary tax hike to fill Medicaid gap
- Iowa Medicaid temporary tax plan draws sharp public opposition
- Charitable giving planning can strengthen advisor/client relationships
- New $6K deduction could provide tax planning window for retirees
More Advisor NewsAnnuity News
- We can help find a loved one’s life insurance policy
- 2025: A record-breaking year for annuity sales via banks and BDs
- Lincoln Financial launches two new FIAs
- Great-West Life & Annuity Insurance Company trademark request filed
- The forces shaping life and annuities in 2026
More Annuity NewsHealth/Employee Benefits News
- In U.S. Health Insurance Market, Consolidation Of Insurers Is Increasing Premiums
- Health insurance jargon can be frustrating and confusing – here's how to navigate it
- Minnesota Blue Cross CEO steps down from Sutter Health board over conflict of interest
- 'No-cost" Lantern surgical benefit has modest early use from SHP members
- House panel votes to raise certain taxes, transfer money to offset Medicaid shortfall
More Health/Employee Benefits NewsLife Insurance News
- Murray Giles Hulse
- New individual life premium hits record-setting $17.5B in 2025
- Maryland orders Cigna to halt underpaying doctors or give cause
- Insurers optimistic about their investments in 2026
- AM Best Affirms Credit Ratings of PVI Insurance Corporation
More Life Insurance News