Dental Insurance and healthcare.gov

Parent Cafe
1

<p>S has a friend who was in the process of a root canal (I think) and was due to go back for the second part. (?) The dentist had her baby that day and the appt was cancelled. The friend’s insurance ended 2 days later when she had her birthday and was no longer covered under her dads policy. I think she turned 20.</p>

<p>He mentioned that her tooth felt like it was falling apart. I don’t have details as I don’t really know the girl and S is not chatty about his personal life in general.</p>

<p>I was looking at healthcare.gov and other sites for dental coverage. I was astounded to see the monthly charges for one person are the same or more than I am paying bi-weekly for better coverage for my whole family. Then I realized there may be subsidies for low income on helathcare.gov.</p>

<p>She has to have filed her own income tax and deducted herself or else her dad’s income will apply. Correct? If not, then she is stuck. She is not a student at this time and she has several siblings so I think $ is tight. She is saving to get a car to drive so she can have better work opportunities (outside of bicycle range) and get to school. I sure hope she claimed herself! I wonder what the subsidy would be? I didn’t run across that part yet only the statement that “prices will be lower if you qualify for help paying for coverage”</p>

<p>Hopefully the unfinished work will not be excluded. The coverage page says there are no waiting periods. </p>

2

<p>I may be mistaken, but I thought that under the provisions of the Affordable Care Act, adult children could still be covered under their parent’s health/dental insurance until age 26, even if they are not in school or a dependent. I work in a dental office and have seen several cases where adult children up to age 26 are still covered on their parents’ dental plans. </p>

3

<p>Unless it’s a grandfathered policy with some odd provision, your friend would,have coverage under her parent plan until the 26th birthday.</p>

<p>ACA policies on the exchange do NOT include dental coverage at all. They are health and RX coverage only…except for pediatric coverage.</p>

<p>If you want dental coverage, you would need to get it privately…or bank some money and self Insure.</p>

4

<p>thumper, you can buy dental plans on the exchange as add-ons to exchange plans. I do not think you can buy them without buying an exchange plan but you should have both anyway. </p>

5

<p>I don’t think parent dental plans automatically go to age 26 under the ACA. There is something about pediatric oral health care being an essential benefit, but not once kids reach age 19. Some states might have passed something for dependents older than 19, but I don’t think it is part of the ACA.</p>

6

<p>In CT, our daughter had full dental coverage under my husband’s plan until midnight on her 26th birthday. Of course this could vary by state…and policy.</p>

7

<p>This site says that dental is only an essential benefit for children. <a href=“http://t.benefitspro.com/benefitspro/#!/entry/will-dental-and-vision-coverage-change-under-the-affordable-care,5259fa24da27f5d9d0332b29/1”>http://t.benefitspro.com/benefitspro/#!/entry/will-dental-and-vision-coverage-change-under-the-affordable-care,5259fa24da27f5d9d0332b29/1&lt;/a&gt;&lt;/p&gt;

<p>I also had a neighbor tell me her kids were off their dental plan before age 26. I think many employers keep it the same for medical and dental, but not all. I am glad ours does!</p>