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ObamaCare and Dental Insurance: What You Need to Know

Lisa Mosby Lisa Mosby , 6/4/2014
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R. David Bulen Insurance, CA, Dental care and ObamacareWhen it comes to ObamaCare and your dental health, you likely have a lot of questions. You know the Affordable Care Act takes care of your health insurance and physical care, but what about your dental insurance? It would only make sense that it is part of ObamaCare, since excellent dental care is directly related to your body’s overall wellbeing, right? Well, the good news is that dental coverage is part of the ACA. Here is what you need to know: Is the dental insurance included in the health insurance plan I signed up for? Maybe. When you get your coverage through ObamaCare, you have two separate choices as far as dental coverage is concerned. Some of the plans have it included with the health insurance policy, while others don’t. If yours does not include dental, you will have to get a separate stand-alone dental plan that will also have a separate premium. However, this does not mean it is more expensive when purchased this way because the health insurance plans that include dental are usually quite a bit more money. Does my employer have to offer dental insurance? As of now, the ACA is not forcing anyone to offer you dental insurance. However, employers and private insurance companies are required to offer the coverage for children under age 18. For kids, the government considers dental care an essential health benefit, so it must be available for you to purchase. But as an adult, it is not considered a must-have (even though most health professionals agree that proper dental care is just as important for your overall health, no matter how old you are). Am I penalized if I don’t get the coverage? No. Even though you are required to have health insurance under the Affordable Care Act, dental insurance is not yet a must-have item. This applies to both you and your dependents. So even though companies are required to offer dental insurance for your kids, you don’t have to buy it. Although, it is always a good idea to get the coverage regardless, because you never know what life is going to bring your way. Content provided by Transformer Marketing. Sources: