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Medical Loss Ratio

Yes on Question 2 Landslide Victory

The Medical Loss Ratio ballot initiative passed by a landslide in Massachusetts. Starting on January 1, 2024, dental insurance providers in the Commonwealth will be required to: 

  • Spend at least 83% of premium dollars on patient care, 
  • Report to the state Division of Insurance that they meet that percentage
  • Refund the difference back to customers if they don’t meet the percentage
This important reform increases accountability and transparency for dental insurers and puts patients first.

The Massachusetts Dental Society (MDS) worked with the American Dental Association (ADA) to form the Massachusetts Dental Care Providers for Better Dental Benefits committee, which spread the message of voting “Yes on Question 2.”

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.

TV/Radio Ads

Dr. Janis Moriarty

Dr. Janis Moriarity, Past President of the Massachusetts Dental Society, discusses Question 2. After practicing dentistry for 30 years, Dr. Moriarty has seen her patients struggle to afford dental insurance and receive basic care. She supports Question 2 because it will require dental insurance companies to pay at least 83 percent of patients’ premiums to cover their dental care. Learn more about how Question 2 offers real help for dental patients and their families at voteyeson2fordental.com/get-the-facts.




Dr. Khara Gresham

Dr. Khara Gresham is a public health advocate and a dentist. Making dental care affordable and accessible for patients is important to her. Dr. Gresham supports Question 2 because it will require dental insurance companies to spend more of patient premiums on patient care, despite the misleading ads the big insurance companies are promoting. Get all the facts about Question 2 at voteyeson2fordental.com/get-the-facts.



Radio Ad

Massachusetts Dental Care Providers for Better Dental Benefits committee radio ad.

LISTEN HERE


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

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