Dental coverage is available 2 ways
You can get dental coverage 2 ways: as part of a health plan, or by itself through a separate, stand-alone dental plan.
- Health plans that include dental coverage. Dental coverage is included in some health plans. You can see which plans include dental coverage when you compare them.
- Separate, stand-alone dental plans. In some cases separate, stand-alone plans are offered.
If a health plan includes dental, the premium covers both health and dental coverage. Just as it’s with a standalone vision plan, if you choose a separate dental plan, you’ll pay a separate, additional premium.
Keep in mind though, that when you choose a separate dental plan, you’ll pay a separate, additional premium. To shop for stand-alone dental plans, contact Insurance Pro at 407.847.7000.
Dental plan categories: High and low
- The high coverage level has higher premiums but lower copayments and deductibles. So you’ll pay more every month, but less when you use dental services.
- The low coverage level has lower premiums but higher copayments and deductibles. So you’ll pay less every month, but more when you use dental services.
Dental coverage is an essential health benefit for children
This means if you’re getting health coverage for someone 18 or younger, dental coverage must be available for your child either as part of a health plan or as a stand-alone plan.
However, it’s important to note that while dental coverage for children must be available to you, you don’t have to buy it.
Dental coverage isn’t an essential health benefit for adults
Insurers don’t have to offer adult dental coverage, and dental coverage is optional for adults. In other word, you don’t need it to avoid the penalty for being uncovered. To shop for stand-alone dental plans, contact Insurance Pro at 407.847.7000.
Any Questions About ACA – Obamacare?
Contact us if you have questions about ACA-Obamacare or Medicare Advantage. Call us also to find out if you qualify for a $0 Mo.