Embedded Insurance: Combined Medical and Dental Insurance with Denial of Benefits Till Annual Medical Deductibles are met- Juniper Publishers
Juniper Publishers-Open Access Journal of Dentistry & Oral Health Editorial In an age where economic times are challenged, innovative measures are often sought in an effort to maintain and enhance corporate profits. This is becoming no different in the health care industry, particularly the insurance side of things. Over the span of six months one subtle yet noticeable phenomenon that has invaded the realm of dental insurance benefits and claims has become the concept of “embedded health care.” Regrettably this has progressed from conceptual to harsh reality. Both major carriers and others are falling in line to seek strategies to improve their bottom lines and avoid paying claims which until now have been taken for granted by most everyone with conventional forms of dental insurance. For patrons of the same medical insurance company as their dental coverage, the bulk of carriers are beginning to consolidate medical with dental benefits into what is