Dental insurance: design, need, and public policy.
ABSTRACT The demand for dental insurance is likely to increase as our nation ages. However, future dental benefit plans may need to differ considerably from their present day counterparts to be cost-effective. These plans will be designed to minimize adverse selection, limiting or excluding some components found in today's dental insurance plans. Interest in improving access to care for the undeserved has gained significant support as of late. Dentistry should be prepared to provide the leadership necessary to help shape the design of future dental plans and to help improve the effectiveness of public coverage programs.
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ABSTRACT: For many years, the health care community has used a silo approach to oral health, with little exception, treating the oral cavity as the sole province of the dentist, with no interaction with the medical profession. However, as research shows links between periodontal disease and diabetes, stroke, heart disease, and peripheral arterial disease, it seems clear that the silo approach to oral health should be replaced with a new paradigm-that of including dental care in comprehensive medical benefits. Retirees who have limited or no access to traditional employer-based dental benefits should be among the early beneficiaries of this paradigm shift. The federal government should consider social insurance mechanisms to ensure that retirees have access to oral health care.Journal of dental education 10/2005; 69(9):1051-7. · 1.04 Impact Factor
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ABSTRACT: This paper analyzes the e¤ect of dental insurance on utilization of general dentist services by adult US population aged from 25 to 64 years using the ordered probit model with endogenous selection (OPES). Our econometric framework accomm-dates endogeneity of insurance and the ordered nature of the measure of dental utilization. The study …nds strong evidence of endogeneity of dental insurance to utilization and identi…es interesting patterns of nonlinear dependencies between the dental insurance status and individual's age and income. The calculated average treatment e¤ect supports the claim of adverse selection into the treated (insured) state and indicates a strong positive incentives e¤ect of dental insurance.Advances in Econometrics 11/2007; 23.