Skip to main content

Medical Loss Ratio

Vote Yes on 2 For Dental Care

MLRs set requirements on what portion of a customer’s premium must be spent on oral health care. Without MLR requirements, dental insurers in Massachusetts are free to spend patient premiums on the company’s operating, marketing, and administrative activities. To get involved visit voteYeson2fordental.com, sponsored by the Massachusetts Dental Care Providers for Better Dental Benefits committee, which is supported by the American Dental Association (ADA) and the MDS.

There are many important ways you can support a YES vote on Question 2. Please visit voteyeson2fordental.com/get-involved to find out how you can help. Please also consider making a financial contribution to support the campaign’s voter outreach activities today.

Please download the "Vote Yes on Question 2" logo to share on your social media channels and other communications.

Please download the "Vote Yes on Question 2" logo to share on your social media channels and other communications.

Please download the "Vote Yes on Question 2" logo to share on your social media channels and other communications.

     

The Ballot Initiative

For years, the MDS has worked to reform MLRs legislatively. While we continue to work with lawmakers and dental insurance providers to find common ground, we’re also realistic that the November 2022 ballot measure is finally a chance to achieve the necessary change.

The referendum would:

  • Set the MLR for dental plans at 83%, requiring insurers to refund any excess premium to customers
  • Require dental benefit providers to disclose projected medical loss ratio for plans, file the following year’s group product base rates by July, and release other specified financial information
  • Authorize the Commissioner of the Massachusetts Division of Insurance to approve or disapprove of any product rates 

Note: An Act Relative to Transparency of Dental Benefits Corporations was sent to study in the 2021-2022 legislative session. This led the MDS Board of Trustees to support the MLR ballot initiative.

The Issue

Massachusetts fails to hold dental benefits companies to the same standards as general health insurers in ways that are costly and unfair to patients: 

  • The Division of Insurance (DOI) has no power to regulate dental benefit companies' reimbursement fees, regardless of the impact on patients and providers. 
  • While all other health benefits providers must by law spend 88% of premium dollars on patient care, dental benefits companies are free to raise rates without directing any of the increases to actual patient spending. 

To learn more about the issue, watch the MDS Legislative Town Hall on Medical Loss Ratio (MLR).

Campaign Committee

Under the leadership of MDS President, Dr. Meredith Bailey, the MDS Board of Trustees voted to endorse supporting the ballot question earlier this year. The MDS and ADA have been working together in developing a campaign strategy. Both organizations plan to expend the resources necessary in support of campaign activities, through the Massachusetts Dental Care Providers for Better Dental Benefits committee. The Committee will educate and engage voters on why they should Vote Yes on Question 2, to pass this important, patient-centered referendum. 

The Committee has created a website and promotional materials encouraging people to Vote YES on 2. Watch for more information on this initiative and please help get the word out by talking to patients, friends, and family. Patient dollars should be required to be spent in support the delivery of affordable, high quality, and accessible oral health care. Patients also deserve visibility into how much of their dental insurance premiums are paying for care as opposed to administrative costs—a “YES” vote on Question 2 will provide much needed transparency and accountability as it relates to dental benefits.

A logo is available to download and share on social media channels and other communications. Simply click the link, right click, and select Save As to download.

vote Yes on question 2 logo

MLR Ballot Measure Media Toolkit for MDS Members

MLR Ballot Measure Media Toolkit for Other Supporters

How to Contribute

Massachusetts Dental Care Providers for Better Dental Benefits (the “Committee”) is a Massachusetts ballot measure committee registered with the Office of Campaign and Political Finance (OCPF).  Monetary contributions to this committee may be made by individuals, businesses or organizations, have no contribution limit and are not tax deductible for state or federal income tax purposes.  The Committee publicly reports all contributions in accordance with filing requirements and public disclosure laws outlined by OCPF. 

 
MAKING A CONTRIBUTION
The Committee can accept monetary contributions via check, bank ACH deposit or wire transfer.  

Contributions by Credit Card:

  • Click HERE to donate to the Massachusetts Dental Care Providers for Better Dental Benefits campaign

Contributions by Check:
  • Make checks payable to: Massachusetts Dental Care Providers for Better Dental Benefits

Mail contribution checks to: 
Massachusetts Dental Care Providers for Better Dental Benefits
One International Place, Suite 1820
Boston, MA 02110
Attn:  Thomas R. Kiley, Treasurer


REQUIRED DOCUMENTATION (FOR CONTRIBUTOR)
  • Complete the Monetary Contribution Form and return it to the address above along with your contribution:
INDIVIDUAL CONTRIBUTION FORM
BUSINESS/ORGANIZATION CONTRIBUTION FORM

Organizations, Associations or PACS:  Please also complete the CONTRIBUTOR INFORMATION REQUEST FORM and return with your contribution.

FAQs

1. What is the MDS’ position on the measure likely to be on the ballot during the 2022 elections? Why did the MDS take this position?

  • As an advocate for both regular and affordable dental care for all Massachusetts residents, The Massachusetts Dental Society endorses the Massachusetts Medical Loss Ratios for Dental Insurance Plans Initiative and encourages voters to pass it. Patient dollars should be required to be spent in support of their oral health, and patients deserve visibility into how much of their dental insurance premiums are paying for care as opposed to administrative costs.
  • The MDS remains committed to MLR reform here in the Commonwealth to ensure that dental benefits companies are transparent and accountable to the people they serve.
  • The MDS is a professional association representing 5,000-plus member dentists and a statewide constituent of the American Dental Association. It is dedicated to the professional development of its member dentists through initiatives in education, advocacy, the promotion of the highest professional standards, and championing oral health in the Commonwealth.

2. Is the MDS affiliated or otherwise working with the Committee on Dental Insurance Quality in support of the likely ballot measure?

  • No, the MDS is supporting the ballot measure in its capacity as an independent organization and is not active in any activities of the Committee on Dental Insurance Quality.

3. How would establishing a MLR for dental insurers impact the practice of dentistry in the Commonwealth? Oral health outcomes for patients? Would this reduce access to care?

  • Patient dollars should be required to be spent in support of their oral health, and patients deserve visibility into how much of their dental insurance premiums are paying for care as opposed to administrative costs.
  • Patients deserve predictability and support in seeking out dental treatment in their communities and all Massachusetts residents deserve access to quality oral health services that are essential to maintaining overall health.
  • The MDS is continually working with civic leaders to advocate for and advance policies that both expand peoples’ access to care and protect the quality of care patients receive.

4. What do the provisions of the likely ballot measure say?

  • Set the medical loss ratio for dental plans at 83%, requiring insurers to refund any excess premium to customers
  • Require dental benefit providers to disclose projected medical loss ratio for plans, file the following year’s group product base rates by July, and release other specified financial information
  • The Commissioner of the Massachusetts Division of Insurance would be authorized to approve or disapprove of any product rates