Second opinions are common in health care, whether a doctor is sorting out a difficult case or a patient is not sure what to do next.
In the context of our magazine, the first opinion will always belong to the reader. This feature will allow fellow dental professionals
to share their opinions on various topics, providing you with a "second opinion." Perhaps some of these observations will change
your mind, while others will solidify your position. In the end, our goal is to create discussion and debate to enrich our profession.
- Thomas Giacobbi, DDS, FAGD, Editorial Director, Dentaltown Magazine
"But how much will that cost me?"
"Why was my claim for this dental service denied?
I thought it would be covered."
"Can you tell me why I have been charged $300
for this procedure, when I found information online
that indicated the typical cost is closer to $150?"
You might have heard these questions - or close
variations of them - from your patients recently.
Such patient-provider conversations are the sign of
a significant trend shift: consumer education and
engagement around dental costs have become a
prominent aspect of delivering quality dental care.
Until recently, patients' questions about dental
fees came principally from the uninsured. For
insured patients, most dental practices worked
largely with payers to determine reimbursement
and settle claims. Discussions about costs were
not common in the exam room. However, starting
recently, employers and insurers have been
changing their benefit structures to mitigate the
financial impact of rising health-care costs.
Accordingly, even insured dental patients are
increasingly responsible for the cost of procedures,
particularly for care extending
beyond preventive and diagnostic
services, and for costs
exceeding annual coverage limits.
And, as a result, patients
want to know what they will
be paying.
A recent report by the
United States Government
Accountability Office (GAO)1
highlighted this issue, with findings showing that
dental patients increasingly shoulder more of
their dental expenses out-of-pocket. The GAO
study also found that the dental fees charged
by dentists and health centers vary widely, even
within the same communities, as well as across
the country. With the enactment of the
Affordable Care Act and changes in access to and
financing for health care, the economics of both
medical and dental practice have become dramatically
different.
Patients who pay all of their own dental bills,
as well as those with insurance who are increasingly
responsible for more of their dental care
costs, are educating themselves about their out-ofpocket
exposure for dental care and becoming
more proactive with their providers. But how does
this movement to a more cost-aware patient
impact your practice?
As president of FAIR Health, I witness firsthand
this growing consumer interest in clear,
contextualized information on health-care costs.
As a national, independent, not-for-profit corporation
focused on bringing transparency to
health-care costs and health insurance information,
we strive to educate consumers about the
many factors that influence the cost of care and
determine the extent of insurance reimbursement
and the ultimate out-of-pocket costs that fall on
patients' shoulders. At FAIR Health, we believe in introducing more cost transparency and education
benefits to consumers, providers, payers,
employers and policymakers. Offering data tools
that provide these stakeholders common cost
estimates from which to base their conversations
about health-care reimbursement will help to
create a broader, common understanding as well
as enable better-informed conversation both in
the personal patient-provider context and in the
larger health-care sector and policy sphere.
I invite you to consider the significant benefits
that a growing focus on cost transparency between
you and your patients can yield, both for the development
and enhancement of your patient relationships
and for the growth and sustainability of your
dental practice.
The Case for Patient Engagement
Patient outcomes has emerged as a significant
topic in the nation's health-care dialogue. It has
also generally become accepted that patient
engagement is an essential component of better
outcomes.2 Developing and maintaining engaged
patient relationships begins with offering high
quality, evidence-based dental treatment. Strong
patient relationships also benefit from friendly
staff, reminder e-mails and loyalty cards. But these
features are no longer enough in and of themselves.
Fruitful and enduring patient relationships
can be bolstered by helping patients understand
what their dental care will cost, including how
their insurance coverage and reimbursement
options fit into treatment plans. Forthright communication
is an often-overlooked aspect of
enhancing patient well-being and satisfaction. In
addition, when patients understand their charges
and insurance benefits, a practice's billing administration
and insurance reimbursement can be
more efficient and timely.
At FAIR Health, we have heard from patients
that when they feel supported through the entire
care process - from examination and treatment
through billing and payment - their satisfaction
and engagement also improves. Fostering a
mature dentist-patient relationship will deliver
positive results in the long run.
The trend is clear: the provider-patient paradigm
is shifting. Communication and acknowledgement
of the complex financial environment
that patients face is critical.
Cost Transparency: Important for
Patients and Dentists
Engage Your Patients
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Use these steps to engage patients on their financial
contributions and requirements.
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- Talk - Simply add the discussion of dental
costs and coverage to your routine patient
conversation. By introducing this topic you
can relieve patients' concern and hesitation
about raising cost considerations.
- Know- Find out in advance if a patient has
insurance coverage or is paying for everything
out-of-pocket, and then lead your discussion
accordingly.
- Educate - Provide your patients with educational
materials and resources regarding
insurance coverage, reimbursement, out-ofnetwork
costs, etc. FAIR Health offers a host
of free materials for download and distribution
to patients.3
- Highlight - When recommending a procedure
that might not be fully covered by a
standard insurance plan, flag that possibility
in your treatment planning discussion. This
will support informed decision-making
about moving forward with treatment, and
will avoid confusion or dissatisfaction in the
billing process later.
- Guide - Direct your patients to free cost
estimator tools, such as the FH Dental Cost
Lookup,4 that can support them in their
decision-making about a new treatment or
procedure outside the scope of their insurance
coverage.
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Greater cost transparency will benefit both
your patients and your practice. Increasingly, the cost of care is a critical factor for patients deciding
their choice of practitioner, their treatment
method, as well as whether to undergo optional
or uninsured procedures. And, as highlighted in
the GAO report, dental fees can vary dramatically
within a community. Further, cost information
is now at patients' fingertips through online
tools. Being informed about typical rates in your
practice area can help you evaluate and set fee
schedules that meet your requirements in a competitive
profession.
One way to assure your patients that your
dental charges are fair is to reference broader market
data when discussing those charges. Robust
dental charge data, such as that offered on the FH
Fee Estimator, can provide important insights into
market conditions and can support a wide range
of practice management decisions.
FAIR Health data can help to:
- Inform strategy for out-of-network services.
- Negotiate fair rates with dental discount
plans.
- Develop strategies for bundled payments.
- Evaluate and negotiate payer and network
participation.
- Negotiate compensation for participation
in exchanges and ACOs.
- Assess expansion into new geographic areas.
- Estimate insurance reimbursement when
purchasing new equipment.
- Evaluate the impact of adding a new specialty
or business line to your practice.
Price transparency, once virtually taboo, now
has become a source of trust between dentist and
patient. As the health-care sector changes and
individual practice economics evolve, meeting
patient expectations for both care and cost with
open communication and solid information can
benefit patients and practitioners alike.
References
- http://www.gao.gov/assets/660/657454.pdf
- http://healthaffairs.org/blog/2013/08/08/patient-engagement-is-the-key/
- Flt Fee Estimator http://www.feeestimator.org/#who
- Flt Consumer Cost Lookup http://www.fairhealthconsumer.org/dentalcostlookup/
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