This 'Smart' Toothbrush Could Save You Money On Dental Insurance. But At What Risk? - travel electric toothbrush

Be careful America: The Internet is coming into your mouth soon. Ohio last week.
The "smart" toothbrush based at Beam technologies has launched a new dental insurance program.
The first small start-up company on the Internet
In 2012, connected brushonline now wants to do Oscar for health insurance for dental insurance, working with Renaisance aland to make it easier to register for care and maintain oral health with modern technology.
Secret weapons?
Beam makes it easier for consumers to ship with the company's electric toothbrush, appand regular toothpaste, brush their teeth and floss every day, monitor brushing habits, find local dentists, schedule time, and regularly
"Fundamentally, one of our biggest interests as a company is to have a meaningful impact on people without insurance," Alex fromeyer, CEO of the company, told Huffington.
"We think we can do this by using technologies like our Beam Brush, which, like Fitbit, can track and monitor and drive some behavioral changes.
"The company says it has seen positive changes: Beam's data shows that thousands of their users have gone from swiping less (
Usually about 45 seconds a day)
Brush more (
2 minutes, twice a day).
If this behavior change is replicated nationwide in the United States, it will have a significant impact on tooth decay, according to data from the Centers for Disease Control and Prevention, it is the most common chronic disease among children aged 6 to 11 and adolescents aged 12 to 19.
Beam has a valuable goal and promises not to raise the customer's dental premium for bad behavior.
But Beam is probably just the beginning.
Other companies are already using "smart" or "connected" technologies. Oral-
B has a connected toothbrush.
Another company called Kolibree has launched an asmart toothbrush with its own app.
It's not hard to see the potential complexity of the company ---
Insurance companies in particular-
Track the most mundane activities of users.
In some markets, if some combination of smart toothbrushes, personal fitness trackers, and smart homes discloses evidence of "bad" behavior, will the premium of some consumers increase?
May your future health band detect an unstable gait after midnight and inform the car insurance company of you ---
Or the authorities, if they pull out a warrant on the side of the road to "check your behavior data "?
More insurance plans will soon use wearable devices and software to monitor customer behavior. -
And lower premiums for customers who do what the company wants to do.
Companies and government agencies will make serious use of behavioral economics to make targeted interventions in people's lives, changing people's flaws in financial, educational and entertainment choices.
People will live longer and better.
We will save more money, learn more, and die less.
Welcome to a whole new world of risk in which the price we pay may be more clearly linked to what we do.
Imagine: We say yes to a new employer"
Release Fitbit because choosing monitoring and a "personalized fitness goals Plan" will give us a 10% rest on our monthly premium-
If we maintain an average of 15% steps per day, it is 10,000 steps.
We will say yes to the free insurance company.
We offer smart toothbrushes and smart phone apps as our dental insurance premiums go down.
We may also be able to add tracking devices for car dealers for connected cars as there will be discounts as well ---
Maybe up to 30 per cent.
Maybe we 'd say yes to travel insurance"
As long as we have the insurance company track our calls and confirm that we only visit the country on the policy, the price will rise.
Or, maybe we would say "yes" to smart homes with sensors that track our energy, water and power usage "---
Give us utilities. or government)
Rebates to achieve protection goals.
Based on the analysis of all this data, we may say "yes" to life insurance with premium as premium, filtered through actuarial software, the software accurately predicts the cost of insuring people with a given lifestyle and medical history.
Perhaps our insurance companies will only fully cover certain treatments or advanced prosthetic limbs if health data from wearable computers proves that we avoid Part 3 pies or reach physical therapy targets.
If you think this is a theoretical farce, think about it: the insurance industry has called this arrangement a "convention.
According to a report from BI Intelligence, 17 million people will try to use insurance-based insurance
Auto insurance as of the end of 2015.
Progress has been provided nationwide. Usage-
However, insurance-based only works if there are devices and sensors that quantify our motion and interaction, and we choose to have the company keep and use it.
Currently, using a connected toothbrush as part of dental insurance is an option, not a requirement.
Just as health insurance and health plans combine wearable computers such as Fitbit or Jawbone Up, businesses may become key drivers for mainstream consumers to adopt smart toothbrushes.
Just as some people refuse mobile phone monitoring, some consumers will struggle with employer tracking, but others will be happy to use mobile phone monitoring as a reward.
Think about the behavior of our frequent shopping cards in grocery stores and pharmacies: people are willing to use them to get deals and share their shopping habits in return.
Consumer, Business, and medical practices will carefully read the privacy policy for these connected devices.
You can bet the FTC will.
The Federal Trade Commission, America's largest consumer protection agency, has taken enforcement action against start-ups and big tech companies over the past decade.
Google, Facebook, Snapchat and Twitter are now operating under the consent decree to protect the privacy and security of the consumer data they hold.
However, in the rapidly expanding ocean of global government data, proprietary enterprise data, and everything between them, technology companies are just one participant.
In the FTC image below released on 2012, you can see how personal data is collected and then moved between different private and public institutions over time.
In the second illustration released by the Federal Trade Commission in 2012, you can learn how to use the data after it is created.
In a 2012 report calling on Congress to enact baseline privacy legislation, the FTC has developed a framework that contains three fundamental principles, companies that collect large amounts of consumer data should follow these principles and for all corporate entities interested in trading personal data for free web services, these suggestions remain a good starting point.
At the time of release, Beam Dental is adopting the principles of these suggestions to publish virtual Q & A for the media (and public)
About what it is doing, how it is done, including the collection and use of data.
Like many startups today, Beam focuses on providing the best user experience for mobile consumers, betting that as the industry is disrupted by new players, it will lead them ahead of the existing insurance giants.
"In a broad sense, the role of technology is to have a serious impact on accessibility and affordability in the dental industry," says Frommeyer . ".
"We believe that this will affect not only us and the insurance companies in the market, but also the public health area, because it is related to the incidence of oral diseases, quality of life and economic consequences.
Research shows that in all walks of life, consumers are increasingly contradictory to data mining policies.
Convenient, efficient and economical
Savings are a compelling result, especially in the absence of evidence of consumer damage-
Or destroy the market.
"Insurance is the raw data industry," says Frommeyer . ".
"It's always about data.
It's always about understanding the user, so being able to understand the risk regardless of the risk --
Based on products.
It's not really a new paradigm for dental insurance, and to some extent it's always about data.
This is actually an extension of our understanding of users.