Dental insurance not an essential health benefit under Obamacare, but you have options.
Under Obamacare, dental coverage is an essential health benefit for children 18 and younger. (Benefits may vary from state to state. Under the new law, each state has been required to select a benchmark plan. All health insurance plans sold within the state must follow that standard when it comes to items and services covered.)
However, adult dental coverage under Obamacare is not a required health benefit. That means that even if you purchase major medical insurance that’s considered minimum essential coverage, that insurance will likely not include dental insurance.
Although dental insurance for adults isn’t a required benefit of the Affordable Care Act, it is certainly an important aspect of health and wellness. That said, you have options.
Some companies on the marketplace offer dental insurance. The plans that include dental insurance will make that clear, and you’ll see that information when you are comparing plans. Generally, you’ll pay one monthly premium for both, which includes both health and dental coverage. When coverage does not include dental insurance, you can choose a separate dental plan, and pay an additional premium.
IHC Specialty Benefits, dba Health eDeals Insurance Solutions’ Vice President John Carlson suggests consumers consider these three issues when they are investigating dental insurance options:
- Don’t pigeonhole, or limit yourself to what’s on the exchange. Although the company that’s your major medical insurer may not offer dental insurance, Carlson states, others do. Do a Google search. Investigate options online. Chat up friends, family, co-workers and neighbors. You could even talk to area dentists. In the long run, such research may be well-worth your time, unearthing options that are more affordable and convenient than you assume.
- Dental plans have varying emphases; select accordingly. Some coverage is more focused on preventative care, some on restorative care. Analyze which coverage is best for you. If you floss every day, and are diligent about your twice-yearly checkups, for example, Carlson says, a policy that’s more preventive in scope is perhaps your best bet.
- Familiarize yourself with different levels. There are two types of marketplace dental insurance plans. High coverage level plans generally feature higher premiums and lower copayments and deductibles. Low coverage level plans typically have lower premiums, with higher copays and deductibles. While you’re reviewing and comparing marketplace dental plans, you’ll find specifics about costs, copayments, deductibles, and services covered.
- Consider The IHC Group for dental insurance needs. “We’re not new to the dental insurance marketplace,” Carlson explains. “We have a rich, broad portfolio of insurers. And we are among the companies that offer dental plans for those 65 and older.”
THIS PLAN DOES NOT MEET MINIMAL ESSENTIAL COVERAGE REQUIREMENTS FOR PEDIATRIC DENTAL SERVICES AS PART OF THE ESSENTIAL HEALTH BENEFITS IN ACCORDANCE WITH THE AFFORDABLE CARE ACT (ACA) PROVISIONS.