Speak to an advisor888-258-6270
The Affordable Care Act (ACA), or Obamacare, names pediatric dental benefits one of the 10 essential health benefits that must be included in certain health plans under Obamacare. However, Obamacare doesn’t include adult dental insurance.
The reason? Medicare doesn’t cover routine dental care, and “that inertia spilled over into the ACA,” said Dr. David Krol, senior program officer at the Robert Wood Johnson Foundation, the largest philanthropy in the U.S. that is dedicated solely to health.
The good news is that dental insurance may not be as costly as some may think. The average premium for adult, individual health insurance plans varies by plan. However, the monthly cost of a dental plan may be a little more than $1 per day. For example, a 40-year-old woman living in Denver may pay around $30 per month for a basic PPO plan that covers preventive cleanings and diagnostic X-rays at 100%.1
Typically, preventive services such as routine exams and cleanings are benefits covered at no extra charge or a small fraction of the service's actual cost. Again, what is covered and how much will vary by plan.
Dental insurance helps with oral health care costs, including preventive care and procedures important to maintaining wellness. If you don’t currently have dental insurance, perhaps this news--that premium prices and other dental insurance-related costs are easier on the budget than earlier assumed--will encourage you to consider purchasing coverage.
Smile! A dental insurance quote is a click away.
1 Sample rate only. Actual rates may vary based on plan, location and other details. Based on a 40-year-old woman living in ZIP code 80230.
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.
About The IHC Group
The IHC Group is an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over 30 years. Members of The IHC Group include Independence Holding Company (NYSE:IHC), American Independence Corp. (NASDAQ: AMIC), Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company. Each insurance carrier in The IHC Group has a financial strength rating of A- (Excellent) from A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations. (An A++ rating from A.M. Best is its highest rating.) Collectively, the companies in The IHC Group provide insurance coverage to more than one million individuals and groups. For more information about The IHC Group, visit www.ihcgroup.com.
About IHC Specialty Benefits, Inc.
IHC Specialty Benefits, doing business as Health eDeals Insurance Solutions is a full-service marketing and distribution company that focuses on small employer, individual and consumer products. Health eDeals markets products through general agents online, telebrokerage, advisor centers, private label and directly to consumers. For more information about Health eDeals visit http://www.HealtheDeals.com