West Virginia Dental Association, dentists, advocating for dental insurance reform through a “Dental Loss Ratio” law
By Autumn Shelton, RealWV
CHARLESTON, W.Va. – On Tuesday, the West Virginia Dental Association (WVDA) kicked off its campaign “More for Your Smile West Virginia” with the goal of having the state legislature pass a Dental Loss Ratio law when they meet again in regular session.
According to Hallie Mason, executive director of the WVDA, who spoke during a Zoom press conference on Tuesday, employers are frustrated, patients are discouraged and dentists are exasperated – all of them “questioning the value of dental insurance in West Virginia.”
“The truth is, dental insurance benefits have barely changed since the 1970s,” Mason said. “Most plans still cap out at $1,000 or $1,500 a year. And, unlike medical insurance, dental insurance has not kept pace with inflation. Families and providers are left with maximum payouts that are stuck at 50-year-old levels.”
Mason continued that West Virginia ranks 49th out of 50 states for dental health.
“Families and employers pay premiums every month, but too often those dollars never make it to patient care,” Mason said, adding that the purpose of the “More for Your Smile” campaign is designed to advocate for dental health care reform.
“The proposal will establish a Dental Loss Ration (DLR) requiring dental insurers to allocate at least 85% of premium dollars to patient care. If insurers fail to meet that standard, they must refund the difference to the policy holders, their patients,” Mason said. “This is about transparency, accountability and fairness, so patients finally get the care they pay for.”
Dr. Mike Richardson, a Charleston-based dentist, added that this is an important mission, which the WVDA has been working on for some time.
“Every day, I, and many of my colleagues, see patients who want to take care of their oral health, but are held back by the limits of their dental insurance. It’s not that they don’t value their health, their coverage just simply doesn’t stretch far enough,” Richardson said.
“The people of West Virginia deserve better than this,” Richardson continued. “They deserve a system that doesn’t profit while they struggle.”
Dr. Sydni Harris-Evans, a new Parkersburg dentist, added that she chose her profession because she wanted patients to feel confident when they smile, but she quickly learned that it is difficult for patients to finish their treatments due to dental insurance caps, and, in some cases, lack of coverage.
“These reforms are about helping patients get the care they need, but also about giving future dentists a reason to stay in our state,” Harris-Evans said.
Information on the campaign’s website “More for Your Smile West Virginia,” states that “as much as 40%” of dental insurance premium dollars “are spent on executive salaries, corporate profits, bonuses, and administrative costs” instead of patient treatment. While compensation and profits continue to rise for dental insurance executives, patients are left with insufficient coverage and higher costs.”
According to the American Dental Association, “a total of 25 states have filed a dental loss ratio bill in at least one legislative session since 2023.”
In West Virginia, this past legislative session, Senate Bill 433, House Bill 2690 (similar bills, the Dental Insurance Transparency Act) and House Bill 2785 (the West Virginia Medical Loss Ratios for Dental (DLR) Health Care Services Plans Act) were all considered, but none were passed.
