Category Archives: Ask the Agent

Does Dental Insurance Cover Braces?

On 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 … Continue reading

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

By Jenifer Dorsey Families 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. … Continue reading

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Can You Still Buy Individual Dental Insurance in 2014?

By Jenifer Dorsey I’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 … Continue reading

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

By Jenifer Dorsey My 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 … Continue reading

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Can You Still Buy Pediatric Dental Insurance? Coverage Options for Kids

By Jenifer Dorsey I purchased health insurance for my family through our state exchange. It did not include the pediatric dental and vision essential health benefit, and I decided not to buy the standalone coverage. Now I wish I had. … Continue reading

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How Much Does Dental Insurance Cost?

By Jenifer Dorsey Much like health insurance, the cost of dental insurance varies based on the plan and plan options you select. Dentalinsurance.org advertises dental coverage as low as $15 per month, which means paying less than $200 in premium … Continue reading

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Ask an Advisor: Does Obamacare’s Open Enrollment Deadline Apply to Dental Insurance?

By Jenifer Dorsey Do I have to enroll in dental insurance by March 31, 2014? No. The Affordable Care Act does not require adults or children to have dental insurance. If you miss the March 31, 2014, Obamacare open-enrollment deadline, … Continue reading

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Ask an Advisor: Can I Use My Obamacare Subsidy on Dental Insurance?

By Jenifer Dorsey When I buy health insurance through my state’s exchange, will I be able to use my family’s tax credit to reduce our dental insurance premiums? Obamacare’s premium tax credits and cost-sharing subsidies can help make health insurance … Continue reading

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Ask an Advisor: Does Obamacare Require Dental Insurance for Adults and Children?

By Jenifer Dorsey I am buying health insurance for my family of four from our state’s exchange. The pediatric dental and vision benefits are sold separately, and I intend to get this coverage for my children. Does the new health … Continue reading

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Ask an Advisor: Do I Need to Enroll in a Dental Plan by Jan. 1?

By Jenifer Dorsey While today may be the final day to enroll in Obamacare health plans and expect coverage to begin Jan. 1, 2014, there is no Affordable Care Act–related deadline for dental coverage. If you wish to enroll in … Continue reading

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