DENT 2060 Financing

Question 1

Oral health disparities are often found in which race(s) of people?

Answer 1

• Black, non-hispanic
• Hispanic
• American Indian
• Alaska Natives

Question 2

Financing of Dental Care

Answer 2

• 7.4% spent on dental services;
• can be paid with private funds (insurance) or public dental coverage (government help)
• more than 100 million people in US have neither

Question 3

Payment methods

Answer 3

• fee-for-service (set fee-scale; usual, customary and reasonable fees; pt billed, most common, insurance pays %)
• capitation (dentist contracts w/3rd party to provide; DDS paid fixed monthly, dental managed care organizations, health maintenance organizations)
• encounter fee (each visit same cost regardless of service; inconvenient - office only wants one service at a time; less pt comprehensive care)
• barter (exchanging goods or services without using money)

Question 4

Medicare

Answer 4

E for elderly; 65 years old or more, under 65 w/certain disabilities; no coverage for dental unless medically necessary

Question 5

Medicaid

Answer 5

D for dental for the poor; **Federal-state health insurance; children, seniors, blind, pregnant, disabilities; funding from state, mandatory for children under 21; maind funding for nursing homes

Question 6

Cobra

Answer 6

If you get laid off or retire before 65; Consolidated Omnibus Budget Reconciliation Act of 1985; employers allow groups to continue with their coverage temporarily

Question 7

What’s being done to help disparity groups or address disparities?

Answer 7

1 - Healthy People 2020

National Call to Action by Surgeon General
National Oral Health Surveillance System
National Institute of Dental and Craniofacial Research

*this was our homework

Question 8

Shortage of help

Answer 8

4230 Dental Health Professional shortage areas; 9642 dentists needed for ratio 3000 to 1

Question 9

SCHIPS

Answer 9

children under 19; state designed program and determined eligibility; dentists more willing to buy this program because of better patients and money

Question 10

Federal block grants

Answer 10

lump sum given to group; feds give to state or local gov; many low-income clinics utilize this

Question 11

What is being done for shortage of help areas?

Answer 11

Areas are qualified to receive federal programs and grants; they need more WILLING professionals to work in these areas; burden placed on safety net dental clinics (Matthew 25); Push towards volunteerism of private sector - free or reduced fee services

Question 12

Access problem solutions

Answer 12

private sector volunteerism; expand safety net clinics; on-site oral health care from centers; mobile or teledentistry; expanded role of dental hygienists