Supports consumer protection by requiring dental insurers to spend more on direct patient care than on higher CEO salaries and other administrative expenses
Canton, Mass., Oga. 25, 2022 /PRNewswire/ – The Massachusetts Nurses Association Board of Directors – 27 elected nurses and health professionals representing the largest union and professional association of registered nurses and health professionals in the Commonwealth – has approved a ballot measure calling for dental insurance reform, which appears as Question 2 on the November ballot.
The measure, the Medical Loss Ratios for Dental Insurance Plans Initiative, provides the necessary protection for consumers by requiring dental insurers to invest more of their money in providing oral care to patients rather than relying on the current provision of premiums. salaries and other administrative expenses. The measure places the same requirements on the use of dental insurance as existing medical insurance. Currently in Massachusetts, 88% of the medical insurance premium must be used for treatment, otherwise, it is returned to the subscriber as a refund. This is called the annual aggregate medical loss. A second Question 2 vote would require dental insurers to spend 83% of insurance premiums on patient care, and if the premiums aren’t used, the excess would be returned to enrollees.
“As nurses and health professionals, we have long supported the need for insurers and other providers to spend more of their money on providing services to patients that they claim to be there to help them, and this is what they can do for those involved with dental insurance plans,” she said. Katie Murphy, RNPresident of the MNA, which represents 25,000 RNs and health professionals working in 85 different hospitals from Cape Code in the Berkshires. “We also strongly oppose any corporate practices that allow greed and profiteering to interfere with or limit patients’ access to the care they need.”
For example, according to the latest 2019 tax returns for Delta Dental, the state’s largest dental insurance company, the organization paid large bonuses, commissions, and fees to affiliates. $382 millionwhen paying only $177 million for patient care. In addition to the requirements for the use of investment funds, the measure requires the transparency of insurers by reporting how the initial costs are distributed, which is of great importance to consumers, whether businesses or individuals affected by these plans.
“As caregivers in a variety of settings, we understand that access to good dental care is critical to the health and well-being of every resident. Chronic dental problems can contribute to many health problems, including COPD, heart disease and stroke,” said Murphy. she sees herself as a critical care nurse. “This act recognizes the importance of dental care as other types of health care and will lead insurers to provide appropriate coverage,” said Murphy.
Founded in 1903, the Massachusetts Nurses Association is the largest union of registered nurses in the Commonwealth of Massachusetts. Its 25,000 members advance the nursing profession by promoting high-quality nursing, promoting the well-being of nurses in the workplace, expressing positive and true views on nursing, and advocating for Parliament and regulatory bodies on health issues affecting nurses. and people.
SOURCE Massachusetts Nurses Association