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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