Dental Care in Limits of Affordable Care Act
The Affordable Care Act or Obamacare requires health insurance plans to provide affordable dental benefits for minors. There are around 1.7 million children across the United States don’t have access to dental care will gain access in accordance to ACA.
According to 2010 report from the Pew Center on the States, more than 50 percent of children in the State of Massachusetts with private health insurance don’t have dental coverage. In the entire United States, children miss 52 million school hours a year due to dental problems. The most common chronic disease among children is dental disease. It is five times more common than asthma. The ACA has recognized this public health issue and included pediatric dental coverage as an Essential Health Benefit so that minors have access to dental care.
Some states allow insurance providers to sell family plans so that families can buy their dental benefits in one place. In Massachusetts, Delta Dental of Massachusetts provides plans with and without pediatric dental benefit. Consumers should ask their dental insurance carrier about their options. Hopefully, insurance providers would be allowed to sell adult-only benefits in the future.
Before ACA became law, people found it hard to look for a dental plan on their own if their employer didn’t provide dental coverage. At present, marketplaces offer a one-stop shop for people to compare various plans and buy dental coverage. Marketplaces don’t require consumers to include dental coverage in the shopping cart during the check out. They provide the benefit as part of the medical plan or as a separate plan.
If a consumer is purchasing coverage for oneself and a child, one should look for an EHB-compliant plan on state exchange because it contains pediatric dental coverage. If the child requires orthodontic needs that are not medically necessary, you need to find more flexible orthodontic coverage options.