Health and dental insurance bundle
The following resources will help you understand your Delta Dental plan options under the Affordable Care Act (ACA):
Why choose a Delta Dental plan?
When it comes to health care reform, we’re experienced, knowledgeable and proactive. We’ve developed straightforward, ACA-compliant dental plans to help you get the coverage you need. With a Delta Dental plan, you’ll enjoy:
- Quality coverage for children, yourself and/or the whole family
- Benefits that focus on preventive care to keep teeth and gums healthy
- Large dentist networks — you may not have to change dentists
- Great customer service
Review, compare and purchase the right Delta Dental plan for you and your family through our website, your state exchange or your insurance agent.
Three types of pediatric dental coverage
Children’s dental benefits under the ACA as of 2014 include three types of arrangements:
General information to help you shop and compare plans is below. Coverage in your state may differ somewhat, depending on how state regulators and exchanges set their rules and policies.
Embedded pediatric dental benefits are included (embedded) in the medical policy. This means that:
- A single deductible with no annual limit may apply to both the dental and medical benefits together. For example, a deductible of $2, 000 per individual ($4, 000 per family) or higher may have to be met before your child is eligible for dental benefits. Some medical plan carriers might waive this deductible for dental, waive just for diagnostic and preventive services, or establish a separate deductible for dental; others may not.
- A combined medical-dental contractual out-of-pocket maximum could be up to $6, 600 per individual and $13, 200 for families. Once the out-of-pocket maximum is reached, the dental/medical policy would provide 100% coverage.
Choosing only an embedded plan (a medical plan that includes the EHB pediatric oral care requirement) may appear to be the easiest way to meet the ACA requirement; however:
- The dental portion likely won’t cover adults or children age 19 and over
- Dental expenses may not be covered until a high combined medical/dental deductible is met, which can be as high as $2, 000 per person annually or higher
- Your family dentist may not participate in the dental plan embedded in your medical policy
For the reasons noted above, if you have an existing traditional family dental plan, it may make sense to keep it, in addition to the high-deductible embedded dental plan you may get from your health plan.
Bundled dental and medical policies are sold together, but as two separate policies. Delta Dental has partnered with several medical carriers to offer bundled coverage that meets ACA requirements.
There are federal rules governing the cost sharing of bundled dental coverage, which make it a good choice for meaningful dental coverage. Bundled coverage includes:
- Separate deductibles and out-of-pocket maximums, which are not affected by the medical coverage; for example, the deductible for dental will generally run from just $35 to $130, after which a typical dental benefit plan structure applies.
- No annual benefit maximums on pediatric benefits, but a separate out-of-pocket maximum never to exceed $350 for a single child and $700 for multiple children will determine when the policy begins to pay 100% of covered in-network services.
- Dental benefits must be designed to meet federally required actuarial values of 70% or 85%.
Stand-alone dental coverage includes the same rules and advantages as bundled coverage described above, offering separate, limited deductibles and out-of-pocket maximums. Stand-alone coverage can be coupled with a medical policy that does or does not include pediatric dental.
In most states, you can purchase a stand-alone plan to accomplish any or all of the following options, depending on your family’s needs:
- Provide the required EHB pediatric dental coverage for children up to age 19
- Provide additional coverage to fill gaps in the dental benefits that come embedded in a medical policy (such as a high deductible)
- Provide dental coverage for older children (ages 19 to 26), yourself and/or your spouse
Please note: Children with dental coverage through a family member’s employer are not required to have dental coverage under the ACA.