We’ve got answers to your questions. Read these 5 questions to learn more about dental coverage in the Health Insurance Marketplace.
Is it possible to receive dental insurance through the Marketplace?
Some health plans on the Marketplace provide dental care. You can also purchase a stand-alone package for an additional fee.
What procedures must I take to include dental coverage in my Marketplace plan?
A dental plan can only be purchased if you enroll in a health plan through the federal Marketplace. You can’t add dental coverage to a Marketplace plan if you’re already enrolled. You should wait until the next Open Enrollment Period to transfer health plans to one that includes dental coverage or to add a stand-alone dental plan. You can get dental coverage when you switch health insurance if you qualify for a Special Enrollment Period.
How can I find out what dental plans and benefits are available?
You can look at health plans that offer dental coverage once you’ve completed your Marketplace application and received your results. If you desire a different dental plan, you can do it after you’ve decided on a health plan.
Is it necessary for me to purchase dental insurance for my child?
No. Children’s dental coverage is a necessary health benefit. This implies that if you’re buying health insurance for someone under 18, dental care must be accessible, either as part of a health plan or separately. While dental coverage for children is required, it is not necessary to be purchased.
Is it possible to cancel my Marketplace dental coverage and keep my health insurance?
It all depends on the kind of dental insurance you have. You can cancel a separate, stand-alone dental plan at any time during the year by failing to pay the dental plan’s premium. You will remain enrolled in your health plan as long as you continue to pay your monthly.
You can only switch to a health plan without dental benefits unless you qualify for a Special Enrollment Period; if you have a health plan with dental benefits, you can only switch during Open Enrollment.