Massachusetts Question 2

Official Ballot Wording:

A YES VOTE would regulate dental insurance rates, including by requiring companies to spend at least 83% of premiums on member dental expenses and quality improvements instead of administrative expenses, and by making other changes to dental insurance regulations. View ballot wording.

What does Question 2 do?

Requires Patient Dollars to be Spent on Patient Care

For too long, multi-billion-dollar dental insurance companies have lined their own pockets by taking advantage of patient premium dollars. Patient dollars should go to patient care, not to the profits of big dental insurance companies and their executives. 

Voting YES on Question 2 will require dental insurance companies to spend at least 83% of premium dollars on patient care rather than on administrative costs, profits, and executive compensation. Similar consumer protections are already in place for medical health insurance plans.

Dental insurance companies that do not meet the minimum requirement of spending at least 83% of patient premium dollars on patient care would have to refund the difference to covered individuals and groups. 

Requiring a higher portion of premium dollars to be spent on patient care can help reduce out of pocket costs for patients, making dental care more affordable and encouraging people who wouldn’t normally go to the dentist to get dental care.

Protects Consumers and Patients

Voting YES on Question 2 will also increase transparency and accountability in dental insurance by requiring dental insurance companies  to disclose administrative costs and other financial information annually to the Massachusetts Division of Insurance, something which they are currently NOT required to do

Greater transparency will ensure patients get the most value for premiums paid.

In addition, Question 2 specifically prevents dental insurance premium increases above the consumer price index without approval by the state.

More specifically, the Massachusetts Division of Insurance  would be authorized to approve or disapprove dental plan rates, and would be required by Question 2 to block premium increases deemed to be excessive or unreasonable.

What is a Medical Loss Ratio?

A medical loss ratio is the portion of premium revenue that a healthcare insurance company spends on claims, patient care, and healthcare quality for its customers. Currently, Massachusetts has established an 88% medical loss ratio for medical insurance plans, but there is no similar standard for dental insurance plans.  

Question 2 would establish a medical loss ratio for Massachusetts dental plans by requiring that at least 83% of premiums must be spent on patient care.

Will Question 2 increase my dental insurance premiums? 

Contrary to the deceptive claims by the large insurance companies opposed to this initiative, Question 2 specifically prevents dental insurance premium increases above the consumer price index without approval by the state of Massachusetts. It also requires the state to block premium increases deemed to be excessive or unreasonable

Vote YES on Question 2 For Better Dental Benefits

Patient dollars should go to patient care, not to the profits of big dental insurance companies and their executives.