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Debate over dental-insurer reforms: providers back network equity and loss-ratio limits, insurers warn of higher costs
Summary
House Bill 1535, which would change contracting and consumer-protection rules for stand-alone dental insurers and establish a minimum dental loss ratio, drew sharply divided testimony from dentists, insurers, brokers and community groups.
The House Health Care & Wellness Committee heard competing testimony Wednesday on House Bill 1535, which would change several contracting and consumer-protection rules for stand-alone dental insurers, including limits on insurer practices that stakeholders say restrict patient choice, a proposed dental minimum loss ratio of 85 percent, and added rate-review authority.
Sponsor testimony characterized the bill as restoring equity to the dental-insurance market and protecting patients who pay premiums but lose access to long-standing family dentists when a carrier's network rules change. Dentists who testified described being forced into production models or losing long-term…
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