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Financing Mechanisms for the Senior Dental Market Dr. Kathy O’Loughlin, Moderator

Financing Mechanisms for the Senior Dental Market Dr. Kathy O’Loughlin, Moderator. Lowell Daun, DDS – Senior Vice President, Delta Dental of California Government/Non-Group Market John Baackes – CEO, Senior Whole Health Dual Eligible Market John Brouder – Partner, Boston Benefit Partners

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Financing Mechanisms for the Senior Dental Market Dr. Kathy O’Loughlin, Moderator

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  1. Financing Mechanisms for the Senior Dental MarketDr. Kathy O’Loughlin, Moderator

  2. Lowell Daun, DDS – Senior Vice President, Delta Dental of California Government/Non-Group Market John Baackes – CEO, Senior Whole Health Dual Eligible Market John Brouder – Partner, Boston Benefit Partners Commercial Market The Panel

  3. Seniors = 76 million Baby Boomers Affluent Independent Higher level of education Healthy Higher utilization of services With financial resources Middle Class Culturally diverse Independent, healthy, limited resources, price sensitive Poor Frail Lower utilization of services Dependent Poor health/Complex health issues No financial resources The Market

  4. National Health Expenditures, 2002 Dental (CMS, August 2004)

  5. Dental Services by Source of Payment, 2002 < < < (CMS, August 2004)

  6. Self Pay – Out of Pocket Social Security Medicare Medicaid Health Insurance Corporations Employer-based Group or Non-Group Voluntary or Contributions Discount Plans/Cards Dental Annuity/Health Savings Accounts Sources of Financing

  7. Federal Employees Retiree Programs Retired Military Medicare Medically necessary dental care only <1% of Medicare tax dollars Part D for dental care/pharmacy Medicaid Title XIX of Social Security Act Varies from state to state Poor elderly only Government Financing Mechanisms

  8. M.G.L. Chapter 58 The Connector Authority Commonwealth Care and Commonwealth Choice 600,000 Adults have dental and vision benefits 50,000 newly eligible have dental benefits Employers: provide coverage for 550,000 uninsured over next three years Massachusetts

  9. Dental is an inseparable part of health and overall wellness – 89% of consumers surveyed agree on medical/dental connection Dental is different: 3rd party carriers add value with negotiated fee arrangements Dental coverage creates affordable access for millions of Americans – 164 million Large untapped market: Nearly half of population lacks a dental benefit Health Care Reform

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