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Your Space - Dental Insurance: What's the Right Choice?
Dental insurance is not something that most people look forward to searching for. When provided through an employer, employees must often make quick decision
According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product
s about whether or not they will accept the dental insurance plan offered, and if they do not, they are often out of luck. Rarely are two options offered, an
; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.
Examples of combination products may in
Examples of combination products may in
d if there are, researching them can be time consuming and extremely confusing.
Dental insurance is necessary to provide dental care to employees and their
Dental insurance is necessary to provide dental care to employees and their
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
family members at reasonable rates. Many individuals or families are not able to obtain dental insurance if it is not offered through an employer, but perhap
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
s that will change in the near future. Senior citizens and people who are self-employed find it especially difficult to find a dental insurance plan that the
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
can afford, and many just go without.
The most important thing to remember when looking at a dental insurance plan is that most provide what is called, in
The most important thing to remember when looking at a dental insurance plan is that most provide what is called, in
ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc
insurance lingo, Usual, Customary and Reasonable, coverage. What does that mean? Generally it means that insurance companies have predetermined what and how
easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi
much of a particular service they will pay for.
Be aware that this amount is not determined by what a dentist charges, but what the insurance company decide
Be aware that this amount is not determined by what a dentist charges, but what the insurance company decide
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
s to pay for it. For example, your dentist may charge $75 to clean your teeth, but the dental insurance company only agrees to pay $50 for those services, so
and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ
it may be up to you to pay the difference. However, if you see a dentist that is listed on the service provider list of the dental insurance company, you ma
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
not have to pay for that difference. Double check ahead of time to make sure.
When opting for a dental insurance plan offered by employers, make sure that
When opting for a dental insurance plan offered by employers, make sure that
ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.
Following aspects would a
Following aspects would a
the network of dental providers is accessible to you, and offers offices that are within a reasonable distance from you. Also make sure that more than one de
dd to the challenges in developing combination products:
Which markets to tap where the combination products can do fairly well?
Which combination prod
Which markets to tap where the combination products can do fairly well?
Which combination prod
ntal provider who takes that kind of insurance is available in your town or city so that you will have a choice. Some plans require you to see a dentist on t
cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
heir list of providers, but others do not, so make sure ahead of time. Also find out what you will be liable for if you choose to see a dentist 'out of the N
tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
etwork.'
Sometimes, dental insurance plans have a waiting period. With this waiting period, an insurance company can have you wait from several weeks to sev
Sometimes, dental insurance plans have a waiting period. With this waiting period, an insurance company can have you wait from several weeks to sev
t?
As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel
As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel
ral months to even a year before certain dental procedures can be done.
Most dental insurance companies will break down insurance coverages into three basic
Most dental insurance companies will break down insurance coverages into three basic
ping new procedures for reviewing their safety, efficacy and quality.
Professional from academic institutions, pharmaceutical industries, health care indust
Professional from academic institutions, pharmaceutical industries, health care indust
areas: Preventative, Basic and Major dental work. Preventative dental care includes, but is not limited to, services associated with check-ups, teeth cleani
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
ng and so forth. Basic or Restorative care includes dental work and repair. Be advised that most dental insurance companies consider dentures, root canals, c
.
As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de
As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de
rowns and bridges to be major dental procedures. Check before you sign on the dotted line that your prospective dental insurance company will cover 'Major' d
elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.
Companies that provide selfless information through particip
Companies that provide selfless information through particip
ental procedures, and make sure those procedures are listed somewhere in the dental insurance policy literature to avoid unnecessary and unpleasant surprises
tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products
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