Dental Tips Blog

Jan
28

How Does the Affordable Care Act Affect Dental Coverage?

Judging from recent headlines ObamaCare, President Obama’s new plan to have health care coverage for all Americans, has not been going as smoothly as expected, resulting in a great deal of confusion and administrative delays. One area that hasn’t received as much attention, though generating just as much confusion, is oral health coverage.

Under the ACA, all Americans must sign up for health insurance coverage if they are not currently covered under an employer’s policy – or face possible penalties. How you sign up depends where you live. Some states have chosen to set up their own Marketplace, while others are deferring to the federal government. The Marketplace is an online venue where insurance companies offer their various plans for affordable insurance. For those in states that have opted to go the federal route, the place to sign up is the website HealthCare.gov.

The purpose of the ACA, according to the Obama Administration, is to improve coverage and lower costs by making health insurance mandatory for everyone. It also does things like force insurance companies to accept pre-existing conditions and require that they cover preventative care. That does include preventative dental care, but only pediatric dental care.

According to reports, only a handful of states with their own Marketplaces have opted to cover pediatric preventative dental care in all their plans. Many have left it up to parents to come up with their own dental insurance plans.

If you are one of the millions of Americans who falls under the Affordable Care Act, you should definitely investigate the various plans available in your state and inquire about dental coverage.

Posted on behalf of Randy Muccioli

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