Finding Dental Coverage in the Marketplace
Dental insurance is accessible through the Marketplace, either as part of a health plan or as a standalone, stand-alone dental plan. It’s important to note that you may only get a Marketplace dental plan if you also purchase a Marketplace health plan.
You can see which plans include dental coverage when you’re comparing health plans. If a health plan includes dental, the premium covers both health and dental coverage. If you choose a separate dental plan, you’ll pay a separate, additional premium.
If you have a separate, stand-alone dental plan, you can cancel any time. Plans that have dental included can only be changed if you have a life changing event.
Plans for Both Adult & Children
For children, dental coverage is a necessary health benefit. This implies that if you’re buying health insurance for someone under the age of 18, dental care must be accessible, either as part of a health plan or as a separate plan. Note that while dental coverage for children is required, you are not required to purchase it.
Two Types of Dental Plans: High and Low
Dental plans on the Marketplace are divided into two categories: high and low.
- Premiums for high coverage are greater, but copayments and deductibles are cheaper. As a result, you’ll pay more on a monthly basis, but less when you require dental services.
- Premiums are lower at the low coverage level, but copayments and deductibles are greater. As a result, you’ll pay less on a monthly basis, but more when you need dental treatments.
When you evaluate dental plans on the Marketplace, you’ll see pricing, copayments, deductibles, and treatments covered for each plan.