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SD 1577

An Act relative to dental Insurance

194th Legislature (2025-2026) Introduced by Mike Brady

SD 1577 - An Act relative to dental Insurance OverviewBill Number: SD 1577 Title: An Act relative to dental Insurance Status: House concurred Introduced: February 27, 2025 Purpo

House concurred
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Bill Summary · SD 1577

SD 1577 - An Act relative to dental Insurance

Overview

Bill Number: SD 1577
Title: An Act relative to dental Insurance
Status: House concurred
Introduced: February 27, 2025

Purpose and Intent

The primary goal of this bill is to improve access to affordable and comprehensive dental insurance coverage for residents of the state. The legislation aims to address concerns about the high costs of dental care and the lack of adequate insurance options, which can create barriers to necessary oral health services.

Key Provisions

  • Requires all health insurance plans offered in the state to include a dental insurance component, either integrated into the main plan or as a supplemental add-on
  • Mandates that the dental insurance portion cover a minimum set of essential dental services, including preventive care, basic restorative treatments, and emergency services
  • Establishes limits on patient cost-sharing, such as deductibles, copays, and coinsurance rates, to ensure greater affordability
  • Directs the state insurance commissioner to set minimum standards for dental plan benefits and oversee compliance by insurers
  • Provides tax credits or subsidies to low-income individuals and families to help offset the costs of purchasing the required dental coverage

Affected Parties and Impacts

  • Residents of the state who will gain access to more comprehensive and affordable dental insurance options, potentially leading to improved oral health outcomes
  • Health insurance companies that will be required to modify their plan offerings to include the mandated dental benefits
  • Dental care providers who may see increased patient volume and utilization of services due to the expanded insurance coverage

Procedural and Timeline Considerations

The bill has passed both the state Senate and House of Representatives and is currently awaiting the governor's signature to be enacted into law. If signed, the new dental insurance requirements would take effect starting January 1, 2026, giving insurers and consumers time to prepare for the changes.

Compiled from official sources — confirm details with the bill’s official record.

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