Posts Tagged ‘dental’

Cost of OneCare vs. Private Insurance

December 2nd, 2010

Andrea Lomax asks California OneCare:

Who will be on the program and how much will it cost? Is this a secret that only a few people know? Please let us know so that we can make up our own minds?

Ms. Lomax:

Thank you for these good questions. The answers are certainly not secrets. Let me try to answer them fully.

First, single payer, California OneCare is for everyone. That is, every resident of California will be covered for all medical conditions. In addition to doctors and hospital coverage, it includes prescriptions, dental care, mental health care, therapists, diagnostics, lab work, acupuncture, chiropractic, home health care, rehabilitation, and much more. (Please see SB 810 overview here, for the complete list of coverage.) What’s more, each of us will be able to choose any doctor, hospital, clinic, or laboratory we wish.

While it seems like this much coverage would cost more than we are paying now for private health insurance, the opposite is true. The reason is that California OneCare would eliminate private health insurance altogether. That would eliminate more than 25% of the overhead costs of health insurance. Right now, 31 cents of every dollar you pay for private insurance goes to administrative costs (mountains of paperwork, much of it to deny claims), marketing costs, profit-taking, and extravagant salaries for executives. Under a single payer plan, these costs would be less than 5%. The overhead costs of Medicare, for example (a single payer plan) are less than 2%.

As a result, under California OneCare you would pay less than you are paying now and you would get more coverage. What’s more, under single payer there would be no deductibles or co-pays or exclusions for preexisting conditions. Everyone would be covered all the time for everything.

As far as the actual dollar costs are concerned, that figure must be determined from a study of the complex economics of the health care system at the present time. Suffice to say, there have been more than 20 studies over the past 18 years in various states in the U.S., and every single one of them found that a single payer plan would not only provide comprehensive coverage for everyone, but it would also cost less than any other option. We also have examples in many developed nations that have adopted single payer plans, such as Australia, Taiwan, Canada, and everyone is covered at half the cost per capita, compared to what we pay here in the U.S.

We are planning another study right now that will give us the exact dollar amounts for California OneCare in today’s dollars. The results will not be available for several months, but you can be assured that California OneCare will provide full care, for all, for less.

Don Schroeder, Co-Chair
California OneCare Campaign

When the Bill is Worse Than the Drill: Dental Care Out of Reach For Many Californians

July 23rd, 2010

Going to the dentist has always made me nervous. But since I left my last full-time job five years ago, nerves haven’t kept me away from the dentist. The lack of dental insurance has. However, my mother taught me to properly brush and floss regularly, so my teeth are in pretty good shape considering it’s been years since I’ve had my teeth professionally cleaned. I’m just grateful I got my wisdom teeth pulled when I had insurance.

If you’re currently uninsured or underinsured, do you remember when was the last time you saw a dentist? Have you ever seen one at all in your life? Have your children? In California, one in four kids have never gone to a dentist, according to a just-published study in the journal Health Affairs. The problem is particularly prevalent among African-American and Latino children, whether they have dental insurance or not. And according to the Kaiser Family Foundation, 100 million Americans in 2006 lacked dental coverage for a full year.

Dental care, like vision care and mental health, is often overlooked in discussions about health reform, but having healthy teeth is a very important precursor to having a healthy body. If not properly addressed, poor oral hygiene can lead to health problems, such as heart disease, low birth weight, diabetes, and stroke. It’s simply unconscionable that so many children in our state go without good oral health. An unhealthy mouth can also lead to poor self-esteem, and tragically, even death.

Uninsured Americans end up paying hundreds and thousands of dollars in out of pocket costs for dental care. But even those with dental insurance have difficulty getting affordable treatment. The online magazine Slate published a seven-part series last year called The American Way of Dentistry, a well-researched and comprehensive look at how and why dental care in America is in crisis – something many citizens are probably unaware of.

Dental care has become extremely costly, with more patients paying for dental bills themselves than they do medical bills. According to the Slate article, in the United States, the population is almost evenly divided between the dental care haves and have-nots, with a mouth full of rotting teeth a clear predictor of class. And the country will soon face a shortage in dentists as baby boomer practitioners retire, the series said.

The Slate series presents some solutions to the American dental crisis, such as mandating all dentists in training to work a year in public health, providing more loan forgiveness plans for dental students, opening up more dental schools, allowing more foreign dentists to practice in the U.S., and allowing dental hygienists to be trained to perform basic dental procedures. These solutions would certainly address the practitioner shortage problem, but I’m not sure they would adequately fix systemic-wide problems of cost and access.

The series mentions that much of our dental healthcare dollars are spent on cosmetic procedures for the affluent and not enough on caring for the oral health of the poor. What we need to do is equalize access for everyone. Requiring dental school graduates to train for a year in poor and rural areas sounds great, but shouldn’t the poor (and financially-strapped middle-class for that matter) also have access to more experienced practitioners if they wish? Shouldn’t everyone be able to count on having their dentist stick around in the community?

Fortunately, California’s single-payer healthcare legislation, SB 810, would cover dental care for all state residents. Not even Canada’s much touted single-payer healthcare system provides dental coverage for all its citizens, relying mostly on supplemental private insurance or fee for service. Rather, when it comes to dental care, SB 810 would be similar to countries in Scandinavia, where many dentists work in private practice, but services are funded through taxes. No Californian should ever have to suffer through a toothache just because he or she has no money to get it fixed.

Sylvia@californiaonecare.org