IS DENTAL INSURANCE MANDATORY?
Is dental insurance mandatory in the new marketplace? Yes and No. For children 18 and under dental insurance is consider an essential health benefit and therefore must be offered in the health plan. For everyone over 18, dental insurance does not have to be offered.
So, you don’t need to have dental insurance in order to meet the requirements set by the ACA, but children 18 and under will automatically be offered it because it is considered an essential health benefit.
Now, there are some options for those who would still like dental insurance and are above 18 years of age. The first option is to find a plan that includes dental. This may be the way to go for some people because you will pay one premium which could result in a cheaper premium than the second option.
The second option is to get a stand-alone dental plan. The reason this option may be better for some people is it could include addition dental benefits not offered in a health plan that includes dental. With this second option there would be a monthly premium for the health insurance and a monthly premium for the dental insurance.
It really all comes down to how important the health of your mouth is to you.
If you have any questions or would like help in choosing the health insurance best suited for you, we would be happy to help.
Below is an article from healthcare.gov on dental insurance.
Can I get dental coverage in the Marketplace?
In the Health Insurance Marketplace, you generally can get dental coverage as part of a health plan or by itself through a separate, stand-alone dental plan.
Adult and child dental insurance in the Marketplace
Under the health care law, dental insurance is treated differently for adults and children 18 and under.
Dental coverage for children is an essential health benefit. This means it must be available to you as part of a health plan or as a free-standing plan. This is not the case for adults. Insurers don’t have to offer adult dental coverage.
Starting in 2014, you must have health coverage or pay a fee. But this is not true for dental coverage. You do not need to have dental coverage to avoid the penalty.
Dental coverage is available two ways
Health plans that include dental coverage. In the Marketplace, dental coverage will be included in some health plans. You’ll be able to see which plans include dental coverage when you compare them. You’ll also see what the dental benefits are. If a health plan includes dental coverage, you will pay one premium for everything. The premium shown for the plan includes both health and dental coverage.
Separate, stand-alone dental plans. In some cases separate, stand-alone plans will be offered. You may want to choose this option if the health coverage you plan to enroll in doesn’t include dental coverage, or if you want different dental coverage.
If you choose a separate dental plan, you’ll pay a separate, additional premium for the dental plan.