Kids dental coverage and the health insurance exchanges
With the implementation of the new healthcare act millions of Americans are expected to start buying insurance through the health insurance exchanges (these are the new marketplaces for insurance).
But, you will most likely not have to buy pediatric dental care insurance separately because most of the plans offered on these marketplaces will include dental coverage for kids.
On the other hand, plenty insurers will offer pediatric dental care coverage as a separate policy, and depending on the state you reside in, you may or may not have to purchase it.
For example, in states such as Nevada or Washington such coverage is required by law. This type of pediatric dental coverage will include preventive and basic dental care services including cavity fillings, dental X-rays, professional dental cleaning, and orthodontic care which is necessary from a medical point of view (not from an aesthetics point of view).
Will pediatric dental coverage be included in the comprehensive health insurance policy? Given the current market, most insurers prefer to sell dental care coverage separately from health insurance.
According to the National Association of Dental Plans, a whopping 99% of the dental coverage benefits sell separately from the rest of the health insurance policies.
Approximately how many kids will benefit from coverage as a direct result of the ACA implementation? Statistically, by 2018 there will be about 9 million children who will be able to take advantage of dental benefits under this act.
The number of kids without dental care coverage will be reduced by 50% at least, according to the ADA.
Approximately 1/3 of these children will get dental benefits through the insurance of their parents (employer based insurance), another 1/3 will get coverage directly through Medicaid, and the rest will get proper dental coverage through the new health policies offered through the exchange marketplace.
What about the out of pocket expenses supported by parents? Pediatric dental care coverage that is purchased as a standalone insurance from the exchange marketplace which in turn is federally sponsored, will require approximately $700/year out of pocket expenses for a child.
Then, for the same scenario dental coverage tailored or a family, the out of pocket expenses will be about $1,400 annually.
According to the Delta Dental Plans Association, standalone dental plans are much more affordable because the deductibles are cheaper than the deductibles paid for a health plan which includes dental coverage for kids. In some cases, the standalone dental plans might even come without any deductibles.