Dental plans are not typically included in an Obamacare (Affordable Care Act) policy in Florida.
While the ACA mandates that health insurance plans must include coverage for essential health benefits, dental coverage for adults is not considered an essential health benefit. However, dental coverage for children is considered an essential health benefit under the ACA.
If you purchase a health insurance plan through the ACA marketplace in Florida, you may have the option to add a separate dental insurance policy. Dental insurance policies typically cover preventive care, such as cleanings and X-rays, as well as basic and major dental procedures, such as fillings and root canals. The cost and coverage of these dental insurance policies may vary depending on the insurer and the specific plan.
It’s important to note that not all health insurance plans offered on the ACA marketplace in Florida offer the option to purchase separate dental coverage,” explains Juan Carlos “JC” Doitteau.
Additionally, some employers may offer separate dental insurance as part of their employee benefits package. If you’re interested in purchasing dental insurance, it’s recommended that you research and compare different plans to find one that fits your specific needs and budget. Luckily, Insurance Pro Florida can help you with this. Call Insurance Pro at 407.847.7000.
Can I Get Dental Plan as a Standalone Plan?
Yes, you can purchase a standalone dental plan in Florida. Unlike health insurance plans, dental insurance plans are not required by law to be sold in conjunction with health insurance plans. As a result, many insurance companies offer standalone dental plans that you can purchase separately.
Standalone dental plans typically offer coverage for preventive care, such as cleanings and X-rays, as well as basic and major dental procedures, such as fillings, extractions, and root canals. The cost and coverage of these plans may vary depending on the insurer and the specific plan.
If you’re interested in purchasing a standalone dental plan in Florida, it’s recommended that you research and compare different plans to find one that fits your specific needs and budget. You can contact various insurance companies or use online comparison tools to help you find the best standalone dental plan for you. Additionally, some employers may offer standalone dental insurance as part of their employee benefits package.
Call Insurance Pro at 407.847.7000.
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