Poll Finds Teens Could Brush Up on Flossing

By Jenifer Dorsey

Teen Flossing HabitsA recent Gallup Youth Survey asked teens about their oral hygiene habits, and the findings were mixed. The majority of teens said they brushed at least twice a day and saw a dentist annually, while very few flossed regularly.

 

When asked, on average, how many times a day they brushed their teeth, teens age 13 through 17, 64 percent said they brushed twice a day or more.[1]

 

When asked, how often, if ever, they flossed between their teeth in a typical week, 13 percent said they flossed once a day or more. However, slightly more (15 percent) confessed to never flossing. A few times a week was the most popular response with 27 percent saying that’s how often they flossed.

 

The survey also found that three-quarters of teens visited the dentist at least once per year.

 

To read more about the Gallup Youth Survey on teen dental habits, visit gallup.com/poll/13009/teens-teeth-most-brush-few-floss.aspx. 

 

Dental insurance for teens

 

Tooth decay is the most common chronic childhood disease in America, according to the CDC.[2] It is also highly preventable through proper oral hygiene and preventive dentistry. To keep cavities at bay, the American Dental Association recommends brushing twice daily with fluoride toothpaste, cleaning between teeth daily with floss or interdental cleaner, eating nutritious and balanced meals and limiting snacking, checking with your dentist about the use of supplemental fluoride and dental sealants, and visiting your dentist regularly for professional cleanings and oral examination.[3]

 

Studies show that people with dental insurance have more dentist visits than those who do not.[4] Most basic dental insurance plans cover preventive care at or close to 100 percent. Preventive benefits typically include two exams and cleanings per year, X-rays once a year, fluoride, and sealants for children.

 

There are many ways teens, as well as their parents and siblings, can obtain dental insurance. The Affordable Care Act’s pediatric dental and vision essential health benefit for kids younger than 19 years old comes embedded in or bundled with Obamacare qualified health insurance plans and also as standalone coverage through state-based and federally facilitated health insurance exchanges. Some exchanges also sell adult dental plans. Individual and family dental plans are also sold in the private marketplace—they start as low as $15 per month at websites such as dentalinsurance.org.

 

Visit dentalinsurance.org for a free dental insurance quote—no contact information needed until you apply. While you are there, read up on oral health and tips for buying dental insurance.

 

Have questions? Need help selecting the right dental benefits for you and your family? Call 888-468-9930 to talk to a dental insurance agent from dentalinsurance.org.

 



[1] McMurray, Coleen. “Teens and Teeth: Most Brush, Few Floss.” Gallup. Sept. 14, 2014. Retrieved from http://www.gallup.com/poll/13009/teens-teeth-most-brush-few-floss.aspx.

[2] U.S. Centers for Disease Control and Prevention. Division of Oral Health. “Children’s Oral Health.” Last updated Sept. 10, 2013. Retrieved from http://www.cdc.gov/oralhealth/children_adults/child.htm.

[3] American Dental Association. “Cavities.” MouthHealthy.org. N.D. Retrieved from http://www.mouthhealthy.org/en/az-topics/c/cavities.

[4] Bloom, Barbara and Robin A. Cohen. “Dental Insurance for Persons Under 65 Years With Private Health Insurance: United States, 2008.” NCHS Data Brief, No. 40. June 2010. Retrieved from http://www.cdc.gov/nchs/data/databriefs/db40.pdf.

 

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Does Dental Insurance Cover Braces?

Dental Insurance Benefits for BracesOn average, braces cost $5,000 to $6,000.[1] For most families, that is no small expense. Paying for braces can be a real financial strain and a source of stress for those who realize their children will eventually need orthodontic treatment to correct a bad bite.

Whether or not dental insurance covers braces and other orthodontic services varies. Many dental plans do not include benefits for orthodontic services, including braces. Plans that do include benefits for braces will typically only cover a small percentage for children under 18 and not adults.

Of course, every little bit helps. When shopping for dental insurance and anticipating that a family member will need braces:

1. Look for a dental insurance plan that includes orthodontic care benefits or a plan that allows you to tack on orthodontic care benefits through a discount program. Some plans sold at dentalinsurance.org offer an optional discount program called OrthoCare for just a few dollars more each month. OrthoCare provides savings of 15 to 20 percent on services performed by a contracted OrthoCare orthodontist.

The amount of assistance insurance benefits and discount programs offer may be similar. When comparing plans, consider both monthly premium costs and the benefits or discounts offered, this can help you determine the best option to help pay for braces.

2.  sure to ask if there is a waiting period for orthodontic benefits or discounts. You may not be able to use them right away, which means it is important to enroll in the right dental plan before you need it.

Braces and the pediatric dental EHB

As part of the Affordable Care Act, all state-based and federally facilitated health insurance exchanges were required to offer the pediatric dental essential health benefit embedded in, bundled with or sold separately from health insurance.

The pediatric dental EHB may include benefits to help cover the cost of medically necessary orthodontia. However, the pediatric dental EHB varies from state to state, depending on the benchmark plan selected. If your child has the pediatric dental and vision EHB, look over the plan materials or contact the plan’s provider to find out if and how orthodontic care is covered.

Read “Get the Best Dental Insurance Plan for Braces” for more tips, and visit dentalinsurance.org to get a free dental insurance quote for you and your family.

If you need help finding a plan or have questions about coverage for braces, call 888-468-3390 to talk to one of dentalinsurance.org’s licensed agents.

 



[1] Academy of General Dentistry. “Chapter_1125.5: Cost & Adjusting to Braces.” Know Your Teeth. Reviewed January 2012. Retrieved from http://www.knowyourteeth.com/infobites/abc/article/?abc=%20&iid=153&aid=4112.

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Covered California Adds Family Dental Plans. Will All Obamacare Exchanges Sell Dental in 2015?

By Jenifer Dorsey

2015 dental insurance exchangeFamilies who buy 2015 health insurance coverage from the Covered California exchange will have access to dental plans officials announced this month.[1] These family dental plans will include coverage for adults as well as pediatric dental benefits.

The Sacramento Business Journal reported Aug. 22, 2014, that the optional standalone family dental coverage, including HMO and PPO plans, will not be available when 2015 open enrollment begins Nov. 15, but they will be added in early 2015—at this time open enrollment is scheduled to end Feb. 15, 2015.

At this time, not all states offer dental insurance plans for families and adults, but some do. Under the Affordable Care Act, every state-based and federally facilitated Obamacare exchange must include the pediatric dental and vision essential health benefit either embedded in or bundled with health insurance plans or offered as standalone coverage. While these benefits must be available to children, the Affordable Care Act does not require adults or children to have dental insurance. There is no penalty for going without dental coverage.

Check your state’s exchange website to find out if adult or family dental insurance coverage is available. To find out if your state offers a state-based or federally facilitated health insurance exchange and find its website, visit HealthCare.gov.

Dental insurance plans for adults and families are also available year-round in the private marketplace. Dental coverage costs as little as $15 per month through websites such as dentalinsurance.org. Visit dentalinsurance.org for a quick, free quote—no contact information required until you enroll.

Have questions or need help selecting the right dental plan? Call 888-468-3390 to talk to a licensed insurance agent from dentalinsurance.org.

 

 

 

 



[1] Robertson, Kathy. “Covered California to Offer Adult Dental Benefits in 2015.” Sacramento Business Journal. Aug. 22, 2014. Retrieved from http://www.bizjournals.com/sacramento/news/2014/08/22/covered-california-to-offer-adult-dental-benefits.html.

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5 Top Reasons to Shop for, Buy Individual Dental Insurance Online

By Jenifer Dorsey

Why Buy Dental Insurance OnlineAbout 60 percent of Americans have dental insurance, and 99 percent of those dental insurance benefits are obtained through an employer or a group such as AARP, according to the National Association of Dental Plans.[1] So where do you buy individual and family dental insurance if you are among the nearly 127 million individuals without coverage?

One option is online through websites such as dentalinsurance.org or ehealthinsurance.com. Shopping for and buying dental insurance online can be a fast, hassle-free way to get the dental benefits you and your family need. Here are five key benefits to purchasing a dental plan on the Internet:

1. Shop anytime, anywhere – When you buy a dental plan online, you can shop 24/7 from the convenience of your personal computer, tablet or smartphone.

2. Get a quick dental quote – Online dental quotes take about 30 seconds, and the application process can be completed in a couple of minutes. A quote typically requires of the ZIP code, birthdate and gender of each applicant, as well as the preferred plan effective date and number of children—if any—that will need coverage. The application often consists of each applicant’s name, contact information and Social Security number.

3. Gain instant approval – When you apply for dental insurance online, you do not have to wait days or weeks for approval. You will get it within seconds of applying. There is no need to mess with mailing paper applications, or faxing or emailing them.

You should be ready with your banking or credit card information because you will be required to pay your first month’s premium—or, depending on your plan options and preferences, your first quarterly payment or annual payment. Coverage will begin as soon as the first of the following month, depending on when you apply and the preferred effective date you select.

4. Compare multiple plans from multiple carriers in one convenient place – Using a website such as dentalinsurance.org allows you to compare many plan designs at once, often from more than one dental insurance company. View the monthly premium rate, deductible, office copay, annual maximum, coinsurance, application fee (if any) and other details such as additional benefits options and network dentists.

5. Ask licensed agents for help If you have questions about the online dental plans you are considering or need guidance in selecting the best coverage for you and your family, you can quickly get the assistance you need. Many sites provide access to live, licensed insurance agents who can work with you by phone or online chat, whichever you prefer. 

If your state’s Obamacare health insurance exchange sells adult dental plans, you can also buy coverage there. Otherwise, dental insurance plans may also be purchased directly from an agent, broker or carrier in the private marketplace. These sources may also have online application and enrollment options available to you.

Do you need dental insurance?

Visit dentalinsurance.org to get a no-obligation quote and enroll in a dental plan today. Read our “10 Tips for Buying Dental Insurance Online” to learn how to find the right dental benefits from an insurance company you can trust.

Have questions? Need help choosing the best coverage for your dental needs and household budget? Call 888-468-3390 to speak with a licensed agent from dentalinsurance.org.



[1] National Association of Dental Plans. “Who Has Dental Benefits?” NADP.org. N.D. Retrieved from http://www.nadp.org/Dental_Benefits_Basics/Dental_BB_1.aspx.

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Remember Dental Exams, Cleanings in Back-to-School Prep

Late summer and early fall can be a great time to schedule a pediatric dental exam and cleaningBy Jenifer Dorsey 

Late summer can be a busy time for families with children. Adding one more thing to the back-to-school checklist may seem unpleasant, but the preparatory mindset that comes with this time of year is why it might be the best time to schedule a routine dental exam and cleaning.

Staying on top of preventive oral care helps keep teeth and gums healthy, so adults and children alike can avoid missed work and school days due to tooth pain and dental procedures.

Tooth decay is the single most common childhood disease in the United States. It impacts kids in the U.S. more than any other infectious disease and is 5 times more common than asthma, 4 times more common than early-childhood obesity, and 20 times more common than diabetes.[1][2]

The American Academy of Pediatric Dentistry recommends a check-up every six months to prevent cavities and other dental problems, noting that your child’s dentist will talk to you about frequency based on personal oral health.[3] The AAPD and the American Dental Association recommend a child’s first dental visit occur as soon as his or her first tooth appears—typically around 6 months—and no later than his or her first year.[4][5]

Routine exams can be a good time to ask about sealants, fluoride use, mouth safety during sports, brushing and flossing, and other general concerns. If your child experiences tooth pain or discomfort, don’t wait until his or her next checkup; contact his or her dentist right away.

Check your child’s dental insurance benefits

Many dental insurance plans cover preventive care at or near 100 percent. This may include routine exams, professional cleanings, sealants, fluoride and even X-rays.  Using these benefits is one way you can get the most out of your dental insurance premium dollars.

If you need help finding dental insurance coverage for you and your family, call 888-468-3390 to talk to a dental insurance agent from dentalinsurance.org. Visit dentalinsurance.org to get a free dental insurance quote and learn more about children’s oral health issues, health insurance and the Affordable Care Act.



[1] Centers for Disease Control and Prevention. Division of Oral Health. “Children’s Oral Health.” Last reviewed Sept. 10, 2013. Retrieved from http://www.cdc.gov/oralhealth/children_adults/child.htm.

[2] The American Academy of Pediatric Dentistry. “Early Childhood Caries.” N.D. Retrieved from http://www.aapd.org/assets/2/7/ECCstats.pdf.

[3] The American Academy of Pediatric Dentistry. “Frequently Asked Questions.” N.D. Retrieved from http://www.aapd.org/resources/frequently_asked_questions.

[4] Ibid.

[5] American Dental Association. “Healthy Children’s Dental Habits.” MouthHealthy.org. N.D. Retrieved from http://www.mouthhealthy.org/en/babies-and-kids/healthy-habits.

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How Many People Received Dental Insurance through Obamacare Exchanges?

By Jenifer Dorsey

Obamacare Dental EnrollmentNumerous health insurance enrollment reports and analyses have been made available since Obamacare’s 2014 open-enrollment period concluded March 31, 2014. While it seems little information is available regarding the purchase of dental insurance plans under the Affordable Care Act, some data on adult and child dental benefits is beginning to come to light.

Adult dental enrollment

The U.S. Department of Health and Human Services reported that 1.1 million people selected a standalone dental insurance plan through the federally facilitated marketplace (i.e., the federally facilitated health insurance exchange) between Oct. 1, 2013, and April 19, 2014.[1] One in three (34 percent) adult dental insurance enrollees were 18 to 34 years old. The HHS report did not include state-based exchange numbers. Thirty-six states participated in the federally facilitated marketplace.

Pediatric dental enrollment

An American Dental Association Health Policy Institute analysis of federally facilitated marketplace and California exchange data found that 88,101 children (individuals younger than 18) obtained standalone dental insurance plans during 2014 open enrollment. [2] In states where pediatric dental benefits were only available through stand-alone dental plans, the take-up rate was 26.1 percent. These numbers account for the standard open-enrollment period, which ran from Oct. 1, 2013, through March 31, 2014, as well as the special enrollment period that extended through April 19, 2014.

Other dental plan enrollment data

At this time, no data is available regarding the number of children and adults who received dental insurance benefits as part of a health insurance plan. However, 73 percent of health insurance plans in the marketplace do not include dental benefits according to the ADA Health Policy Institute’s report “Update: Take-Up of Pediatric Dental Benefits in Health Insurance Marketplaces Still Limited.”

Some states that operated their own exchanges have made dental insurance enrollment numbers available at their exchange websites. Oregon’s state-based health insurance exchange, Cover Oregon, reported a net total of 15,326 private dental insurance enrollments after cancellations and terminations, as of July 7, 2014.[3]

Furthermore, at this time, no data is available regarding the number of Americans who enrolled in private dental insurance plans away from the state-based and federally facilitated exchanges in 2014. At the end of 2012, approximately 187 million Americans had dental insurance benefits, according to the National Association of Dental Plans, which states on its website, “About 99 percent of dental benefits are provided through an employer or other groups like AARP.”[4]

The Affordable Care Act requires the pediatric dental and vision essential health benefit be embedded in or bundled with health insurance plans unless it is available as a standalone plan on the state’s exchange. The law did not require adults or children to purchase dental benefits.

Have questions?

Read “Obamacare Dental Insurance FAQs” to learn more about dental benefits under the Affordable Care Act.

Visit dentalinsurance.org to get a free individual dental insurance quote or call 888-468-3390 to talk to a dental insurance agent about the right individual dental plan for you and your family.

 



[1] U.S. Department of Health & Human Services, Office of the Assistant Secretary for Planning and Evaluation. “Health Insurance Marketplace: Summary Enrollment Report for the Initial Annual Open Enrollment: For the Period: October 1, 2013–March 31, 2014 (Including Additional Special Enrollment Activity Reported through 4-19-14).”  May 1, 2014. Retrieved from http://aspe.hhs.gov/health/reports/2014/MarketPlaceEnrollment/Apr2014/ib_2014Apr_enrollment.pdf

[2] Yarbrough C., Vujicic M., Nasseh K. Update: Take-Up of Pediatric Dental Benefits in Health Insurance Marketplaces

Still Limited. Health Policy Institute Research Brief. American Dental Association. May 2014. Retrieved from http://www.ada.org/~/media/ADA/Science%20and%20Research/HPI/Files/HPIBrief_0514_1.ashx.

[3] Cover Oregon. “Update: Private Coverage and Oregon Health Plan Enrollment Through Cover Oregon.” July 7, 2014. Retrieved from http://resources.coveroregon.com/Enrollment-update.html.

[4] National Association of Dental Plans. “Who Has Dental Benefits?” N.D. Retrieved from http://www.nadp.org/Dental_Benefits_Basics/Dental_BB_1.aspx.

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ADA: More Young Adults Have Dental Insurance Due to Obamacare ‘Spillover’ Effect

By Jenifer Dorsey

Obamacare Dental Young AdultsWhile the Affordable Care Act may not require a parent’s dental insurance plan benefits extend to dependents age 19 and older, it seems more young adults have dental insurance benefits—and are using them—since the law took effect.

In the two years (2011 and 2012) following the Affordable Care Act’s passage into law, at which point the dependent coverage provision took effect, access to dental care for young adults ages 19 to 25 rose 6.9 percentage points and utilization of dental services increased 3.3 percentage points, according to a new report published in Medical Care, a journal of the American Public Health Institute. [1]

The report’s authors, three American Dental Association Health Policy Institute researchers, credit the voluntary expansion of employer-sponsored dental insurance to dependent young adults age 19 to 25 is responsible for this increase. Obamacare allows employers to voluntarily expand dental insurance coverage to dependents through age 26, as is required for health insurance.

In a press release, ADA president Charles Norman, D.D.S. called it encouraging news but noted that it only represents a segment of the population and “millions of Americans continue to face barriers to dental care.”

The ADA’s Action for Dental Health movement is focused on three areas in what has been called the dental health crisis: 1) provide care now to people who are suffering from untreated disease; 2) strengthen and expand the public/private safety net; and 3) disease prevention and dental health education.[2] The movement is composed of eight initiatives, including emergency room referral, fluoridation, and Missions of Mercy events and the Give Kids a Smile programs—click here to read more at ADA.org.

What about dependents who don’t have access to expanded dental insurance benefits?

Young adults who do not have access to dental insurance coverage through a parent or employer may consider an individual dental insurance plan. Such dental coverage may be purchased through an agent; from a dental insurance carrier; or at websites such as dentalinsurance.org or ehealthinsurance.com, which sell dental insurance plans from multiple nationally recognized carriers.

If you have questions or need help finding the right dental plan, call 888-468-3390 to talk to a dental insurance agent from dentalinsurance.org.

 



[1] American Dental Association. “ACA’s ‘Spillover’ Effect: Dental Coverage Rate Increasing for Young Adults Whose Parents Receive Health Insurance through Employers [Press Release].” June 21, 2014. Retrieved from http://www.ada.org/en/press-room/news-releases/2014-archive/july/dental-coverage-rate-increasing-for-young-adults.

[2] American Dental Association. “Action for Dental Health.” Retrieved from http://www.ada.org/en/public-programs/action-for-dental-health/.

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How Much Does a Dental Cleaning Cost without Insurance?

By Jenifer Dorsey

Dental Costs With Without insuranceRoutine dental exams and cleanings are an important part of preventive dental care. A typical preventive dental visit will include an exam and professional cleaning, as well as topical fluoride and a set of X-rays, depending on your last dental visit and personal oral care needs. These visits, along with daily brushing and flossing, play an important role in maintaining good oral health.

Without dental insurance, the national average costs of common preventive services are as follows, according to the American Dental Association[1]:

  • Periodic examination by a general dentist – $44.10
  • Prophylaxis (cleaning) – $61.14 (child), $82.08 (adult)
  • Topical fluoride application – $31.70 (child), $32.59 (adult)
  • Sealant application, per tooth – $44.12

However, with dental insurance, preventive care may cost little or nothing on top of your monthly premium, which may cost as little as $15 per month. Many dental plans cover two preventive care visits per year at or near 100 percent. Preventive dental benefits typically include professional cleanings, routine exams, X-rays (may be limited to one set per year), topical fluoride, and sealants (may be dependent on age). Benefits and frequency for each service will vary by plan, so be sure to read plan details carefully when selecting dental insurance coverage.

Dental insurance plans also include benefits to help reduce the cost of basic care such as fillings and extractions and major care such as crowns and root canals.

The national average costs of common restorative services are as follows[2]:

  • Amalgam filling, two-surface, in a permanent tooth – $146.61
  • Resin-based composite filling, rear tooth – $197.09
  • Root canal on a molar (excluding final crown) – $918.88
  • Porcelain crown – $1,026.30
  • Extraction of an erupted tooth or root visible above the gumline $147.32

These amounts are national averages. Prices will vary depending on where you live and your dentist’s rates. Contact your dentist to find out what he or she charges for the care you need.

Visit dentalinsurance.org for a quick, free quote and compare plans from multiple carriers and read more about selecting the right dental insurance plan.

Call 888-468-3390 to talk to a dentalinsurance.org dental insurance agent who can answer your questions and assist you in selecting the right dental plan for your oral health needs and budget.


[1] American Dental Association. “Action for Dental Health: Bringing Disease Prevention into Communities.” December 2013. Retrieved from http://www.ada.org/~/media/ADA/Public%20Programs/Files/bringing-disease-prevention-to-communities_adh.ashx.

[2] Ibid.

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Can You Still Buy Individual Dental Insurance in 2014?

By Jenifer Dorsey

2014 Dental Insurance EnrollmentI’m a self-employed individual and purchased 2014 health insurance plan through my state’s Obamacare exchange. However, I did not buy dental insurance during the open-enrollment period and now I wish I had. Is it too late?

Open enrollment for 2014 individual health insurance coverage may be closed, but you can still buy dental insurance this year. You do not need a special enrollment period, and you do not need to wait until 2015 open enrollment in November.

Individual dental insurance plans are available year-round. Plus, using your smartphone, tablet or computer, you can more or less shop for one anytime, anywhere. The online application process takes only a few minutes, and premiums begin as low as $15 a month through dentalinsurance.org.

Typical places to shop for dental benefits include the following:

  • Your state’s health insurance exchange – Though adult dental plans are not currently being sold on all state-based and federally facilitated health insurance exchanges, you might check yours to see what, if anything, is available. Keep in mind that dental benefits are not eligible for Obamacare tax credits and subsidies, even if purchased on an exchange.
  • Individual carriers – Consider checking with your health insurance company to see if it offers any dental plans. You might also search for dental-specific carriers.
  • Dentalinsurance.org and other multi-carrier websites – Using sites such as dentalinsurance.org and ehealthinsurance.com can be a convenient way to find and compare dental insurance plans available in your geographic region—and from more than one carrier.

Spend some time gathering quotes and thinking about what kind of dental benefits you need. Many basic dental insurance plans include preventive care (i.e., routine exams and cleanings) at or near 100 percent. Also be sure to see if there are any network restrictions and, if so, whether or not the providers included are easily accessible and open on the days and times you can schedule appointments. Read our “10 Tips for Buying Dental Insurance Online” for more information on finding the right coverage for your oral care needs and budget.

If you need help selecting a plan or have questions, call 888-468-3390 to talk to a dental insurance agent from dentalinsurance.org.

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What to Do When Dependent Dental Benefits Don’t Last Through Age 26

By Jenifer Dorsey

Dependent Dental Age OutMy 22-year-old daughter just graduated college, and we learned she can no longer receive benefits through my employer’s dental insurance plan. I thought dependents had to be covered through age 26. 

Under the Affordable Care Act, dental insurance plans are not held to the same provisions as health insurance plans. This applies to both the individual and group dental marketplaces. Nonetheless, that does not mean all dental insurance plans will age out dependents once they reach 19 or cease to become full-time students through age 23.

Employers may opt to offer dependent dental coverage through age 26 as is required for major medical insurance plans. Individual dental insurance plans may also extend eligibility. It should also be noted that pediatric dental and vision benefits are embedded in, bundled with or offered as standalone plans as part of the Affordable Care Act’s essential health benefits—which are included in all ACA-compliant individual and group health insurance plans. The pediatric dental and vision EHB is required by law to last through age 19, but individual states may increase the age limit.

While your daughter may have been aged out of your employer’s dental benefits, it does not mean she has to go without this important coverage until she finds employment. There are several places to find an individual dental insurance that will accommodate your daughter’s budget. Here are five top options to start your search:

1.    COBRA

Your daughter may be able to continue her current dental insurance coverage through COBRA, which allows individuals and their families to continue certain group health benefits under specific circumstances such as losing dependency status. This law applies to employers with 20 or more employees. Employers and plans are required to notify employees of this option.

If your daughter is eligible, she could continue coverage up to 36 months. You are given 60 days from the date of your COBRA election notice to opt in. With COBRA, you/your daughter will be responsible for the entire premium—both the portion you previously paid and the portion your employer covered—plus a 2 percent administrative fee.  If you have questions, talk to your employer’s benefits advisor.

2.    Your state’s health insurance exchange

In some states, standalone dental and vision plans for adults are offered through the health insurance exchange. Visit your state’s health insurance exchange website to determine if this is an option where you live.

3.    Directly from a health insurance carrier

Many health insurance carriers offer standalone dental insurance plans for individuals. You could contact your current health insurance carrier to see what it offers. You can also shop around and compare plans by visiting carrier websites

4.    Through an agent or broker

An agent or broker can provide you with dental insurance options in your area, too. If you do not already work with an agent or broker, ask family or friends for recommendations or conduct and Internet search for agents and brokers in your area.

5.    Multi-carrier marketplaces such as dentalinsurance.org

Websites such as dentalinsurance.org, ehealthinsurance.com, and healthpocket.com allow you to compare plans from multiple carriers, which can help you find the right balance of dental benefits that fit your daughter’s oral care needs and a monthly premium that fits her budget. Plans at dentalinsurance.org start as low as $15 per month. You can get a personalized quote in seconds—no contact information needed until the time you apply.

Remember: Not all dental insurance plans are created equal. No matter where you shop, spend some time comparing plans. Read our “10 Tips for Buying Dental Insurance Online” for more information on selecting the right coverage.

If you need help finding a plan or have questions, contact a dentalinsurance.org agent at 888-468-3390.

 

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