CaliforniaDentalInsurance.com
                                              Individual Family Indemnity Dental Discount Plans HMO PPO
 

 

 

Please call us
 310-534-3444
Monday - Friday 8am - 4pm

 

 
 
 
 

California Dental Coverage, Rights and Cost Sharing Under The ACA

02/16/16 9:27 AM

Here is a quick summary of what you need to know about dental, your rights, and how cost sharing works on dental plans:

* A child must be offered dental, but you don’t have to take it.

* If you have dental coverage through the Marketplace it will typically have a maximum of $700 for a child or $1,400 for a family.

* Adults don’t have to be offered dental. However, many Marketplace plans offer dental as part of the plan, or as a standalone. You can’t cancel dental that is part of your plan, so keep this in mind.

* If dental is part of your plan, you can still use cost assistance to lower your plan costs.

* Even with cost assistance, when you reach the maximum,you typically pay 100% of the costs for dental work. This is the opposite of health insurance under the ACA where you pay 0% after your maximum. So don’t be confused by that.

* Oral surgery may be covered by medical insurance in some specific cases, but generally it doesn’t cover non-medically necessary procedures.

* Dental works best for routine care, it is uncommon to find any insurance that covers major dental work past a certain dollar amount. (“The Dental Gap”?)

 

Posted on 02/16/16 9:27 AM | by California Dental | in California Dental Insurance | Comments Off on California Dental Coverage, Rights and Cost Sharing Under The ACA
 

Copyright 2011 (c). CaliforniaDentalInsurance.com, DEL AMO Insurance Services, Inc., Harbor City, Los Angeles, California