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Thanks for listening.
Now, here's the episode.

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- This is Laura Dedo with the
Becker's Healthcare Podcast.

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I'm thrilled today to be
joined by Mike Adelberg,

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who's the Executive Director

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of National Association of Dental Plans.

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Mike, it's a pleasure to have
you on the podcast today.

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- Well, thank you, Laura. It's a pleasure

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to have the opportunity to speak with you

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and your, uh, readers.

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- You know, I, I'm really
excited for our conversation

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because, uh, there are big
things happening in the dental

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space today, and certainly
it's just so important to have,

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you know, the health plan

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and coverage in, in those kinds of things.

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Um, so I'm excited to learn more about

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what you're seeing from
your vantage point.

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But before we dive into that discussion,

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can you tell me a little bit more

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about yourself and your background?

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- Sure. So, uh, I've been in
and around, uh, healthcare

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and managed healthcare
for, for about 30 years.

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That includes, uh, 15 years in, uh,

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the federal government in
the Department of Health

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and Human Services, where I held, uh,

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senior positions in the Medicare program,

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and then a senior position, uh,

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rolling out the Affordable Care Act.

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Uh, it was in that position
that had responsibility

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for the regulations for
essential health benefits,

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including pediatric dental
as the 10th, uh, EHB,

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and also for establishing
standalone dental plans on the

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Affordable Care Act, uh,
health insurance exchanges.

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So that's when I began, uh,
working with dental plans

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and working with the dental industry

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and considering oral health issues.

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Uh, before joining N-A-D-P-A year ago,

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I spent eight years in a, uh,

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boutique consultancy on K
Street in Washington, DC uh,

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focusing on health policy,

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and had the, uh, opportunity
to work on a number

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of oral health issues in,
uh, that position as well.

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And I've been at NADP for one year now.

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- Oh, wow. That's amazing to hear.

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And definitely, you know,
seems like you've gotten such

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great experience throughout
your career in leading you into

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your role today with the NADP.

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Um, from your perspective, what are some

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of the biggest issues that

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you're following right now in dental?

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- Yeah. Uh, so for NADP,

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at least our number one issue
right now is medical loss

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ratio and whether it should
be applied to dental plans,

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and if so, how?

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And, uh, there is a law that probably,

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uh, many of your readers are familiar with

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that goes into effect on
January 1st in Massachusetts

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that would apply a medical

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level medical loss ratio to
dental plans in that state.

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And already a number of carriers, uh, in

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that state have indicated that
they have to leave at least,

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uh, one

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or more of the, uh, markets,

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insurance markets in the
state of Massachusetts

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because the law is, uh, unworkable.

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And, and the fundamental
problem with that is that a,

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a medical and the dental plan, uh, have

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the same administrative
costs are very similar

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administrative costs,

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but the medical plan
ballpark gets about 20 times

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as much incoming income.

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So it can just naturally achieve
a higher loss ratio than a

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dental plan can achieve,

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or for that matter, any other low premium

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product, uh, can achieve.

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Uh, there are a number of other states

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that have gone a different
route on loss ratio, uh, such

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as Maine, Colorado, Arizona, others, um,

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where it's essentially a reporting

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and an outlier remediation process.

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And NADP is okay with
that, uh, if, if that's,

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uh, how states need to go.

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Um, but there are a bunch of other issues

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that interest us a great deal.

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Uh, we are all about expanding, uh,

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oral health access in this country.

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Uh, so whether that be, uh,

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more Medicaid programs adding
adult dental benefits, uh,

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whether that be, uh, states choosing

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to add an adult dental
essential health benefit, uh,

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to their, uh, benchmark plan
in the, uh, a CA markets,

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uh, as a proposed regulation would allow,

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or whether it be the
establishment of a Medicare,

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uh, dental benefit.

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All of those issues are really important

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to the nation's oral health,

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and they're really important to NADP.

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- Absolutely. That's fascinating

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and really great work that,
you know, you're doing in order

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to bring more of these
essential benefits to play

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and really getting them
integrated into more health plans.

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From your perspective, is
there much energy around that,

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especially for, as you were
talking through, you know, some

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of the a CA plans in other,
um, government funded plans.

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Is there energy around
being able to do that,

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or what are the sticking
points in, um, you know, trying

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to get more, um, of the plans

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to offer the dental
essential health benefits?

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- Yeah, so, uh, at, at least with regard

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to essential health benefits,
um, it, it's important to note

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that the original CMS regulation
at the start of the, uh,

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implementation of the A CA actually forbid

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adult dental as an
essential health benefit,

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um, in the states.

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And, uh, the most recent, uh,

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Biden administration
regulation, if it's finalized

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as proposed, would
eliminate that prohibition.

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And then states would have
the opportunity to, uh,

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establish, uh, an adult dental, uh, EHB,

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and then the a CA, uh,
plans in the individual

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and small group markets would have to, uh,

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offer an adult dental or in one way

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or another, uh, there would
have to be a partnership

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with the state, uh, so

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that the state is
providing adult dental, uh,

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through standalone plans, uh,
or, or some other mechanism.

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Um, this is only a proposed
regulation, can't guarantee

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how it's gonna turn out.

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But, um, I do consider it
a, an exciting development.

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Certainly something that, uh,
if it's done wisely will, uh,

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help Americans, uh, get coverage.

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And Amer we all know
of, of that, Americans

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who have dental coverage
go to the dentist more,

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and Americans who go

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to the dentist more
have better oral health.

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And let's just complete the circle

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and say, Americans who have
better oral health have better

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overall health, and that's
what we should all be about.

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- Agreed that we put it very well.

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Now, Mike, when you look into the future,

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what are you most excited about
and what makes you nervous?

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- Yeah, so in, in terms
of being excited, um,

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and I, I guess I, I set this
up a little bit in my prior,

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uh, response, but there is a stronger

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and stronger realization in
this country, uh, among, uh,

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among policymakers, among
business leaders, et cetera, that,

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uh, oral health impacts overall health.

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And, uh, I just use as, as
one example, there was a,

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a study published in
the ADA's Journal, uh,

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earlier this year that, uh,
demonstrated that for people

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with diabetes, when they
receive appropriate PERO care,

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they ca their overall
healthcare costs go down 11

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to 14%.

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So that realization, I
think is extremely exciting.

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And, you know, all of us
in dental at one point

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or another have said, we have

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to put the mouth back into the body,

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but what does that really mean?

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Well, the, the, the growing body

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of scholarship that demonstrates

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that when a person has
good oral health, uh,

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their overall health is likely to improve,

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and then for, for certain
chronic diseases that much more.

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So that's extremely exciting

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because that opens up the
opportunity for all kinds

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of payment reforms and, and
funding, uh, opportunities.

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And that's very exciting to me.

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Uh, the other thing that's
very exciting to me, and,

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and I I think it's also a
focus of, uh, your publication

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is the growth of DSOs.

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Historically, uh, the
dental profession has,

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has largely been small
and solo practitioners.

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And with the advent of
DSOs, there is now scale

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and sophistication

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and administrative efficiencies
that really allow for, uh,

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increasingly cost effective,
uh, oral health to be provided.

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And I know my members
are very excited, uh,

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to work with DSOs.

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I'm very excited to work with DSOs,

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and I think their growth
is a positive development.

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- That's amazing to hear.
And definitely, um, you know,

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having that kind of
economies of scale with some

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of the DSOs, you know,
hopefully can push this forward.

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I think the message that
you were talking about

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on the stronger oral
healthcare means better overall

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healthcare, it, it seems
like, like you mentioned,

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is gaining momentum even within
the broader organizations

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and large organizations with
some of their partnerships

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and just really, um, you know,
having that as the core of

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what they're driving forward.

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Um, so that is certainly exciting to see.

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- Yeah, uh, very much agree.

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And, uh, I know my
members, uh, the carriers,

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uh, are are excited about the partnerships

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they have with DSOs.

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Uh, I know, uh, I have
individual companies

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that have various pilots going
with, with particular DSOs.

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Uh, they, they really can become the,

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the engine of innovation.

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- Absolutely. So kind of
on the flip side of that,

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is there anything that you see
as potential roadblocks or,

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or that you're preparing for,
um, that could be a roadblock

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to success in the next couple years or so?

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- Well, I, I guess I'd make a
general observation, which is

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that positive revolutions
really do occur in healthcare.

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And of course in oral
healthcare is healthcare.

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They really do occur, but
they're always very bumpy

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and they take a long time.

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And I, I remember, uh, being
part of, uh, the discussion

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that led up to the Affordable
Care Act sort of circa 2010,

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uh, just as an example, over
on the medical side of things,

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there was all

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of this exuberance about
accountable care organizations

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and how they were going to
completely reform, uh, hospitals

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and the way hospitals, uh, get paid

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and the way hospitals,
uh, manage bed days,

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bed census, et cetera.

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And we are now, you know, 13 years later

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and ACOs have made a dent

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and ACOs have had some positive impact.

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Uh, but it's hard that
revolution, if it is,

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is in fact a revolution.

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It's still a very unfinished revolution.

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And, and things just take a
long time, uh, for a variety

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of good reasons in, in
the healthcare field.

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And so, uh, that what makes
me nervous is that I think

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the, the reformers

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and the people who get really excited

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are sometimes not sufficiently
tempered by how much

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inertia there is in our large

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00:11:57,085 --> 00:12:00,185
and clunky multi-stakeholder system.

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And reforms just take time,
improvements take time,

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and then more narrowly,
the the other thing

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00:12:06,905 --> 00:12:10,185
that makes me nervous, and I
imagine it makes your readers

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00:12:10,185 --> 00:12:13,865
nervous too, is we have
a, a provider shortage in,

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in large parts of this country.

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And if we don't have, uh, enough dentists,

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if we don't have enough
hygienists, et cetera,

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we're in big trouble, especially
as we seek to expand, uh,

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access and get people,
uh, attending all of the,

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the dental office visits that
we think they need to attend.

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- Got it. Yeah, I, I think
that's such a great point

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and certainly helpful to know

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and understand, um, from your
perspective now, you know,

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given everything we've talked about,

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obviously some great opportunities,

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exciting things happening,
as well as challenges ahead,

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what do you think it will
take for healthcare effective

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to have healthcare, um,

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leaders be effective over
the next few years or so?

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- Yeah, that's, uh, that's a big question.

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There are a lot of ways, uh, to take that.

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Um, but I, I, I'll offer
that all of us, uh, first

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of all need, need to keep an open mind.

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And when someone presents
us with something

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that's interesting,

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but doesn't ring a hundred
percent true to us,

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the first time we hear
it, uh, we should smile,

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refrain, uh, restrain ourselves
from a negative response

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and think about it a little bit

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and maybe follow up
quietly two days later, uh,

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rather than shooting something
down in the public way

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that's been going to close
off open-minded dialogue.

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Uh, so let's all keep an open-minded about

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things more narrowly.

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Uh, everyone is talking
about ai. It's, it's scary.

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It's, uh, has, has a lot
of potential to be, uh,

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mischievous, uh,

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but it also has tremendous
potential upsides in terms

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of making, improving, uh, the consistency

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and quality of care

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and improving our
administrative processes.

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So, uh, that's, we should
be open-minded to, uh,

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how this technology develops.

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We should be open-minded
to payment reforms.

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We should be open-minded to
the development of transparency

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and quality measures.

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Frankly, if the, the plans

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and the providers don't figure out how

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to make some progress in some
of these areas by ourselves,

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at some point, the
government's going to assist us

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in moving in some of these directions.

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So, uh, those are areas where
we should be thoughtful,

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we should do things in a
incremental manner, uh,

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but we should keep our minds open

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and recognize that there
may at some point be some

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external pressures on us.

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I, I haven't talked yet
about, uh, some of the, the,

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the clinical, uh, and
scientific opportunities also,

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but things like, uh, saliva samples

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and all of the things that
a dentist office can deliver

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to overall health by, uh, saliva sampling

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and then, uh, tissue regeneration

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and its possibility to improve

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what now might be a root canal

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or a crown opportunity in
the oppor, uh, the potential,

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you know, in, in the
relatively near future

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to regenerate tissue instead.

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Um, all of that is just
extremely exciting, uh,

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because it has the
opportunity, uh, first of all

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to make people healthier

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and second, uh, potentially, uh,

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make our overall healthcare
system that much more efficient.

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Because when we fix up
people's mouths, uh,

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we will improve their overall health.

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- That's great to hear.
Mike, thank you so much

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for joining us on the podcast today.

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00:15:51,025 --> 00:15:53,305
This has been such a fun and
interesting conversation,

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and I look forward to
connecting with you again soon.

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00:15:56,365 --> 00:15:57,935
- Yeah, I, I've really enjoyed it.

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00:15:57,955 --> 00:15:59,215
And, uh, I, I thank you

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00:15:59,215 --> 00:16:01,455
and your colleagues at, uh,
Becker's for great work.

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00:16:01,515 --> 00:16:03,015
Uh, I'm a, I'm a regular reader.

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00:16:05,685 --> 00:16:08,415
- It's so important for leaders
at the top of organizations

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00:16:08,435 --> 00:16:10,935
to keep learning, stay
sharp, grow their networks,

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00:16:11,325 --> 00:16:13,775
help our audience better do
this in a more simplified,

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00:16:13,775 --> 00:16:15,455
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00:16:16,015 --> 00:16:18,495
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00:16:18,925 --> 00:16:20,775
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00:16:24,845 --> 00:16:28,655
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