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Due to "a dishonest and inefficient system" that sometimes inflates bills to ten times the actual cost, even insured patients can be billed more than the real cost of their care. [68] Insurance for dental and vision care (except for visits to ophthalmologists, which are covered by regular health insurance) is usually sold separately ...
Dental insurance helps pay for the cost of necessary dental care. Few medical expense plans include coverage for dental expenses. About 97% of dental benefits in the United States is provided through separate policies from carriers—both stand-alone and medical affiliates—that specialize in this coverage.
With indemnity dental plans, the insurance company generally pays the dentist a percentage of the cost of services. Restrictions may include the co-payment requirements, waiting period, stated deductible, annual limitations, graduated percentage scales based on the type of procedure, and the length of time that the policy has been owned.
The rate of increase in both health insurance premiums and out-of-pocket costs have declined in the employer-based market. For example, premiums increased at an annual rate of 5.6% from 2000-2010, but 3.1% from 2010-2016. An estimated 155 million persons under the age 65 were covered under health insurance plans provided by their employers in 2016.
The 2.8-percentage-point increase since that low represents a net increase of about seven million adults without health insurance." [46] The US Census Bureau reported that 28.5 million people (8.8%) did not have health insurance in 2017, [47] down from 49.9 million (16.3%) in 2010.
The District has had more success than the states' health insurance exchanges in signing up young people. [3] Many members of Congress are enrolled in DC Health Link. [4] On March 8, 2023, Congress was warned of a breach of DC Health Link data on the Dark Web. The culprits claim to have the information of 170,000 DC Health Link customers. [5]
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