Address
Minnesota: Want more from your dental insurance?
Take action and tell your legislator to pass dental loss ratio legislation.
What is a dental loss ratio?
A dental loss ratio is the percent of your money that goes to your care. Patient dollars should go to patient care.
Better Value
Consumers and employers who pay premiums are guaranteed better value for their money. Dental plans cannot raise premiums without spending more on patient care.
Increased Transparency
Consumers and employers can see how their premium dollars are spent and can make informed decisions when selecting their benefit plans.
Better Health
Better dental benefit coverage brings a lower risk of delaying care. If your dental benefits cover more, patients are more likely to seek and receive care.
FAQS
List of Services
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What is a Dental Loss Ratio?List Item 1
A Dental Loss Ratio sets a minimum amount that dental insurers must spend on actual healthcare services in support of patient care. Medical insurance plans are required to have a Medical Loss Ratio (MLR) of either 85% for larger carriers and 80% MLR for smaller carriers. That means for every dollar a medical insurance plan receives in revenue from premiums, 85 cents or 80 cents must be spent back on patient care. No requirement exists for dental plans.
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What is the ratio proposed in Minnesota’s legislation?List Item 2
Current proposed legislation for the 2025 Minnesota Legislative Session requires dental plans to spend 85% of gross premium revenue on patient care.
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Why should consumers care about a Dental Loss Ratio?List Item 3
Patients rightfully expect their dental insurance premiums to be used to support their oral health, and patients deserve visibility into how much of their premiums are paying for care.