Making Dental Insurance & Medicaid Work for Everyone
The American Alliance for Dental Insurance Quality
The American Alliance for Dental Insurance Quality (AADIQ) originated as the “Committee on Dental Insurance Quality,” which was founded to ensure passage of Massachusetts Question 2 (2022) – the first dental voter ballot in history.
Today, the AADIQ is dedicated to improving the quality of private insurance and Medicaid insurance plans in every state.
The official AADIQ mission is: “To work cooperatively with United States patients, dentists, dental organizations, government agencies, and other stakeholders for the purpose of improving the quality of dental benefits plans across the nation. To advocate for a federal dental loss ratio law, and other laws that monitor and improve dental benefit plan quality across the nation. To monitor, expose, and correct state and federal government non-compliance with state and federal Medicare/ Medicaid dental health laws.”
The AADIQ believes that fair dental insurance will be available to all patients through a federal dental loss ratio law (mirroring Massachusetts Question 2), compliance with 5 key Medicaid laws, and elimination of low quality-of-care plans (often referred to as “capitation” or “value-based-dentistry” plans).
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The Need for Change
The dental insurance industry spends too much on administration and profits and too little on patient care. While federal law requires 80-85% of premiums be spent on patient care, private dental insurance has had no such requirement in any state – That is until November 2022.
In November of 2022, Massachusetts voters approved Question 2, a state initiative to establish a medical loss ratio for dental plans at 83%. This changed the nation.
Believing that private dental insurance carriers should be held to the same healthcare insurance, Massachusetts voters approved Question 2 by a remarkable 72% Yes vote.
Since then, the Massachusetts Question 2 law (now known as MGL 176X) has become a goal for oral health advocates in every state. The AADIQ is now helping other states accomplish this.
Oral Health under Medicaid also suffers. States routinely violate their responsibilities under the Medicaid Act, leaving poor children with life-long dental problems. While states must comply with federal Medicaid laws in order to receive federal funds, the Federal agencies that oversee state compliance do not hold states accountable. Poor children suffer.
The time is now – to replace “virtue signaling” private dental insurance and Medicaid plans with plans that rightfully ensure oral health for all insured patients.
American Alliance for Dental Insurance Quality
Officers & Directors
Dr. Mouhab Rizkallah DDS
Dr. Margaret Scarlett DDS
Dr. David Leader DDS
Dr. Patricia Brown DDS
