Wicked Local

September 22, 2022

How much of dental insurance premium should pay for dental care?

In terms of statewide issues: Question 2 refers to the dental insurance industry and asks voters to decide whether insurance companies should be obliged to spend 83% of premium dollars on patient care.

In taking a closer look at Question 2, voters may wonder if it really matters how much of their dental insurance premiums end up in their mouths. Massachusetts already requires health insurance companies allocate 88% of premium dollars to patient care, called a medical loss ratio. Any overage is routinely refunded. This initiative would extend the same criteria to dental insurance companies.

The measure is supported by the Massachusetts Dental Society (MDS) and the American Dental Association (ADA). Patients, they claim, deserve to know how much of their premium is used for their actual care as opposed to much is allocated to administrative costs and how much is profit.

Ray Bennett of Shawmut Strategies (left) and proponents of the dental insurance ballot question haul boxes of signatures down to Boston Common ahead of a press conference Wednesday afternoon.

“We encourage voters across Massachusetts to vote YES on Question 2 to improve access to quality dental care and better dental benefits,” said Dr. Andrew Tonelli, committee spokesperson and co-chair of the MDS’ Government Affairs Committee and former chair of the Boston District Dental Society. “This ballot initiative would make dental insurers more transparent and accountable to the patients they serve.”

It would guarantee patient premium dollars are spent on patient care, Tonelli said.

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