Much of the recent discussion of health care reform has ignored oral health. That's unfortunate because good oral health means much more than healthy teeth and a nice smile. It is essential to overall health and well-being.

Poor oral health, a lack of dental care and untreated oral diseases can adversely affect an individual's ability to speak, smile, kiss, chew, maintain proper nutrition, attend school or go to work. Statistics show that dental-related absences total 51 million hours annually for students across the country and more than 164 million work hours for adults annually.

In addition, oral health is linked to overall health conditions. More than 90 percent of all systemic diseases, including diabetes, leukemia, cancer, heart disease and kidney disease, have oral characteristics that can be detected during an oral exam, according to the Academy of General Dentistry's "Know Your Teeth". That means a dentist may be the first to spot warning signs of potential systemic disease during a regular checkup. What's more, according to the University of Maryland Medical Center's report, Periodontal disease - Risk Factors, emerging science points to important associations between periodontal (gum) disease and medical conditions such as diabetes, cardiovascular disease, osteoporosis, HIV and the risk of premature birth.

Oral health is important to overall health, but it is also distinct as a profession -- and distinct in the way it is covered. That's why nearly all current commercial dental benefits are administered under separate contracts, and more often than not, by either stand-alone dental companies or by dedicated dental-only divisions of full service health plans. And this, in turn, is why public policy needs to address oral health directly instead of embedding dental coverage as a lesser component of a medical program.

As Congress continues to wrestle with various health care reform proposals, we at Delta Dental believe that dental coverage should be included -- but in a way that capitalizes on a private market delivery system that operates differently and far more cost-effectively than the medical model. We also believe that taxing employee benefits to pay for health care reform would result in a significant setback to this nation's oral health.

Focus on prevention, specialized expertise
Unlike medical plans that generally focus on treating disease and illness, dental plans emphasize routine preventive care -- before problems become more serious and expensive to treat. In fact, the American Dental Education Association estimates that every $1 of oral health prevention saves $8 to $50 in restorative and emergency services.

Dental plans also involve the management of a different network of doctors, that is, dentists, who agree to provide care below the retail cost of services. These dentists also agree to contractual policies that protect consumers against fraud, abuse and unnecessary and poor quality care. And while specialized expertise saves money, it also can save lives.

Consider the tragic example of Deamonte Driver, a 12-year-old Maryland resident who died in 2007 when bacteria from an abscessed tooth spread to his brain. A subsequent investigation concluded that by including dental with medical benefits under a single Medicaid contract, the state of Maryland was unable to oversee or effectively monitor the ancillary dental program. The state legislature later agreed to require that the dental portion of the state's Medicaid program be managed by a single, dedicated dental benefits carrier.

Remember the mouth
Delta Dental is committed to the idea that every American deserves quality dental care, and that we should build on what's already working well. Dental benefits are cost-effective because early intervention reduces treatment costs. Dental premiums average less than a tenth of the cost of medical on average, and the trend for inflation is far more stable than with medical.

Taxing employer-paid benefits -- and dental benefits specifically -- could significantly erode our progress toward achieving better oral health over the last few decades. If health benefits were taxed or "capped," as some in Congress propose, millions of Americans would be tempted to drop their dental coverage. This would undermine the good oral health so many Americans currently enjoy, and create added barriers for those whom health care reform is intended to help.

As long as good oral health gives us the ability to talk about health care reform, Delta Dental encourages your readers -- and our national leaders -- to remember the mouth, and to give it the special attention it deserves.

Complete your profile to continue reading and get FREE access to BenefitsPRO, part of your ALM digital membership.

Your access to unlimited BenefitsPRO content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Breaking benefits news and analysis, on-site and via our newsletters and custom alerts
  • Educational webcasts, white papers, and ebooks from industry thought leaders
  • Critical converage of the property casualty insurance and financial advisory markets on our other ALM sites, PropertyCasualty360 and ThinkAdvisor
NOT FOR REPRINT

© 2024 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.