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Dental and medical health insurance are converging. Right here’s what it

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Well being insurers are transferring in on the worthwhile turf dental insurers have claimed for many years; the variety of well being plans providing grownup dental advantages greater than doubled previously two years, in keeping with a brand new survey of dental- and health-insurance leaders we performed earlier this yr.

Because the convergence accelerates, extra customers can anticipate their well being plans to supply dental insurance coverage, albeit with a separate premium – a mannequin that would come to dominate the market within the subsequent few years.

With any basic shift in healthcare, nonetheless, comes a slew of pressing, complicated questions: Will some dental payers be left within the mud? How can they greatest adapt to those altering circumstances? What are the obstacles to convergence? And what is going to this shift imply for customers?

Convergence: a possibility or a menace?
Whereas the overwhelming majority of customers nonetheless depend on standalone dental insurance coverage, such insurers are quick discovering the bottom shifting beneath their ft: in keeping with a latest survey, by 2025, most foresee partnering with a well being insurer and almost half anticipate advantages to be bundled.

But whereas 28 p.c of dental-plan leaders see this as a possibility, almost half (49 p.c) understand it as each a possibility and a menace.

One want look no additional than the promise of value-based well being plans at this time to understand the potential upsides: partnering with the best well being plan – and getting access to its capital, scale, community and technological infrastructure – can present dental insurers with a extra holistic view of their sufferers and assist ship higher well being outcomes to extra sufferers at a decrease value.

But a few of these very belongings give well being plans the flexibility to upend susceptible dental payers. Executives we spoke to famous that well being insurers wield deeper pockets, have “extra premium to play with” – which means they’ll decrease costs extra flexibly than dental plans – and may provide one-stop-shop comfort that can be particularly interesting to youthful clients.

On the identical time, dental payers eyeing potential partnerships could also be cautious concerning the healthcare trade’s tendency towards deliberate – generally reluctant – change, as evidenced by the gradual adoption of pay-for-performance reimbursement fashions. And insurers have nonetheless not seen the blueprint for integrating the 2 merchandise and coordinating subsequent care between physicians and dentists.

Worse, well being plans will not be the one ones excited about competing in a market traditionally dominated by conventional standalone plans. Half of the executives surveyed consider that non-medical, ancillary insurers are additionally exerting vital stress on oral advantages.  Whereas a net-entrant into this area, many consider they might start grabbing membership and market share.

To thrive – and to search out the best partnerships – dental plans might want to get proactive and strategic: innovating in areas like various fee fashions, tele-dentistry and information sharing; tackling their know-how debt; optimizing processes by way of information administration methods and improved working metrics; and exploring their very own choices for diversification, be it by turning into third-party directors, buying or merging with different firms or providing ancillary merchandise (e.g. imaginative and prescient, listening to, life, pet) of their very own.

“It’s not just like the mouth isn’t linked to the physique”
Even supposing solely 37 p.c of US adults visited the dentist final yr, respondents to the survey say the largest issue driving dental-and-health plan convergence is the mixing of oral well being into total well being. This integration – mixed with value-based dentistry, partnerships with well being plans and the truth that having dental protection is the perfect determinant of whether or not a person will make common dental visits – ought to finally result in the next quantity of visits total.

On the medical facet, dental-health plan partnerships – particularly these with efficient know-how platforms – can drive higher well being outcomes, care coordination and larger simplicity for customers used to navigating a posh well being system.

The acquisition of a one-product, two-premium plan (i.e., dental advantages bundled with broader medical health insurance) also needs to converse to a millennial client base more and more in quest of comfort. As different insurance coverage markets converge, there could even be alternatives for enabling customers to bundle medical, dental, imaginative and prescient, and pet insurance coverage into single buying choices. Akin to the recognition of bundling house, life, and auto…some consider that this development could transfer in the direction of healthcare.

Although Covid-19 could sow uncertainty into the approaching convergence of dental and well being plans, now just isn’t the time for dental payers to take a seat idly by. With the momentum for bundling with well being plans rising and competitors from ancillary insurers heating up, solely those that take proactive steps to stake out a spot for themselves on this aggressive panorama will thrive as convergence accelerates. So, too, will their members.

Picture: Dmitrii_Guzhanin, Getty Photos

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Pole dance club founder on 10 years of empowering women and keeping them fit

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Vee Lea smiles as she recalls opening her Aerial Arts Academy (AAA) 10 years ago this month. Then, pole dance and aerial acrobatics with the aid of silk swathes of fabric and hanging hoops were more novel, associated more with strip clubs than gyms. But her efforts to overcome barriers and gain acceptance paid off and the academy now has three outlets – in Central, Causeway Bay and Wong Chuk Hang.

Today countless dedicated studios and gyms offer similar classes, focused on pole and aerial activities.

Lea, AAA’s director and co-founder, recalls one of its first success stories. A nervous first-timer arrived at a pole dancing class, clad in a jumper, turtle neck, skirt and black tights, while other students had changed into active wear. She was encouraged to take part regardless.

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“She had this look … like some part of her was allowed to be expressed, like someone gave her permission to feel feminine, or empowered to do something about it,” Lea says. AAA encourages its students to let those feminine qualities shine.

The newbie became a regular, ditching her office wear for yoga wear. “It made all of my sacrifices worth it for that little moment, this activity made her feel allowed to be herself and express her individuality and femininity,” Lea says.

Lea discovered circus arts in her teens as an extra in a British film where she met circus acrobat Michele Laine. A passion for aerial activities blossomed and Lea went to the New York Circus Arts Centre in the US to train.

On her return, Lea continued to attend circus classes in London, but later moved to Malaysia to connect to her roots. There were no pole dance classes in this conservative country, so she installed a pole in her flat and found training friends on forums.

Soon, her following outgrew her flat, so Lea found a dance studio nearby and rented a tiny space. Her success attracted much attention, and she was asked to speak at conferences on the emerging craze including a Hong Kong event where she met her business partner, Ania Przeplasko. The pair co-founded AAA in Hong Kong in early 2009, sharing their first space in Central with another dance studio.

Lea was taken aback by attitudes toward pole dance in Asia, possibly stemming from prostitution and strip clubs in Thailand.

She took a fresh approach, promoting AAA’s classes as non-lewd, safe exercise activities. Launching a pole fitness syllabus and training course with the Asian Academy for Sports and Fitness Professionals put it squarely into the fitness domain.

It worked. Women flocked to classes and many found the sessions empowering. “Pole [dancing] hit that demographic where you could explore [these movements] in a safe space, but also tone your body and work out; pole dancers have nice figures,” she says.

Fast forward to today: in tribute to the organisation’s 10th year, AAA is staging a major graduation show at The Hong Kong Academy of Performing Arts on January 19, in which students and instructors will perform acrobatics, burlesque and pole and belly dancing.

Blood, sweat and tears: behind the scenes of acrobatic extravaganza

 

Lea hopes the performance will inspire attendees. A year of hard work can turn them into aerial artistes. “The show says: if you give enough time to what you want to do, you can actually do it,” she says.

AAA offers a one-year programme to train amateurs into professional performers culminating in a show. Those without superstar ambitions can take part purely for fun and fitness.

There are many health benefits. Aerial and pole arts build core and upper body strength from all the lifting, and flexibility from the constant movement of hips, joints and lower limbs, Lea says.

Pole dance also appeals to men. For them, the in-vogue move is “The Flag” popularised by street workouts and parkour, in which they hang from the pole in a horizontal position, like a human flag. It can take a rookie a year to condition their body to accomplish this move, depending on their fitness level.

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Learners are encouraged to work towards lifting their body weight, starting at 10kg then gradually heavier loads. “The Flag strengthens your [abdominal] oblique, lateral and core muscles,” Lea says.

Lea hopes the future brings changes on the gender front as her clientele is still predominantly female. “You see circus acts where guys on silks are gorgeous, strong and flexible,” she says.

Many men are deterred from pole dance, in fear of being seen as “sissies.”

“I’d like to see a bit more equality for all sexes and individuals to explore stuff and not have to maintain a certain image or identity,” Lea says.

Aerial hoops 

On a warm morning at Trybe studio in Wong Chuk Hang, Christine Wong, 37, is pulling off “Woman in the Moon” moves at the centre of the ring. “It took me two weeks to perfect the inverted move,” she says. Wong does another move, this time with the hoop spinning.

After the birth of Wong’s first childfive years ago, she had gained 60 pounds (27kg) and struggled to shed the weight through yoga. Wong took up her sister-in-law’s suggestion to join AAA’s classes for toning and core strengthening in 2014, and found the aerial hoop most suited her.

While learning the Woman on the Moon move, an instructor asked her to raise her left leg. She was so disoriented, she couldn’t tell her left from right. “I literally got a different perspective,” she recalls.

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She realised there were still many things she had yet to experience, and “different parts of my body I thought I used but had not,” she says. Beside increasing mind and body awareness, hoop work helped Wong shed 50lbs in six months.

In 2016 she performed in an AAA show at the W Hotel, including a five-minute nerve-racking solo she was disappointed with.

She is training for the graduation show and hopes to deliver a “perfect” performance.

Aerial Arts Academy Graduation Show, Hong Kong Jockey Club Amphitheatre, Hong Kong Academy for Performing Arts, 1 Gloucester Rd, Wan Chai, January 19, 7.30pm. Tickets from HK Ticketing. Inquiries: 31 288 288; aerialartsacademy.com



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