ACA and Dental Insurance: What’s Covered and How to Get It

Dental health is a key part of overall well-being, but it can be expensive to maintain. That’s why many people look to health insurance to help cover the cost of dental care. But what if you don’t need or have health insurance? Is it still possible to get dental insurance through the ACA?

Dental Insurance Coverage Under The ACA

The Affordable Care Act (ACA) requires all health insurance plans sold on the Health Insurance Marketplace to cover essential health benefits, including dental care. However, dental coverage varies from plan to plan. Some plans may only cover basic preventive care, such as cleanings and X-rays, while others may cover more comprehensive services, such as fillings and root canals.

How to Get Dental Insurance Through The ACA

If you need dental insurance but don’t have health insurance, you can purchase a stand-alone dental plan through the Health Insurance Marketplace. To do so, you must meet the following eligibility requirements:

You must be a U.S. citizen or legal resident
You must live in a state where the Health Insurance Marketplace is available
You must not have access to affordable health insurance through an employer or government program

If you meet these eligibility requirements, you can follow these steps to purchase a dental plan through the Health Insurance Marketplace:

1. Visit HealthCare.gov and create an account.
2. Click on the “Shop for Plans” tab.
3. Filter the plans by “Dental Only.”
4. Compare the plans and select the one that best meets your needs.
5. Enroll in the plan.

Costs of Dental Insurance

The cost of dental insurance through the Health Insurance Marketplace varies depending on the plan you choose and your income. However, subsidies are available to help lower the cost of coverage for those who qualify.

Benefits of Dental Insurance

There are many benefits to having dental insurance, including:

Preventive care: Dental insurance can help cover the cost of preventive care, such as cleanings, X-rays, and fluoride treatments. This can help keep your teeth healthy and prevent cavities and gum disease.
Restorative care: Dental insurance can also help cover the cost of restorative care, such as fillings, crowns, and root canals. This can help keep your teeth looking and functioning their best.
Orthodontic care: Some dental insurance plans cover orthodontic care, such as braces and retainers. This can help you improve your smile and oral health.

Find The Right Dental Insurance Plan For You

If you need dental insurance, you can find a plan that meets your needs and budget through the Health Insurance Marketplace. With a little research, you can get the coverage you need to keep your teeth healthy and your smile bright.

Visit Healthcare.gov for additional information about ACA and dental insurance.

If you need assistance finding a dental insurance plan that meets your needs, contact an insurance agent or broker.