In the United States, Dental insurance is offered in 2 ways. It could either be availed as part of a health care plan or by itself via an individual, stand-alone dental insurance plan. It is worth noting that a user cannot purchase a marketplace dental coverage plan unless he/she purchases a health plan at the same time.
There are two types of marketplace dental insurance plans – High and low.
- The high coverage Dental Insurance levels have higher premium amounts but lower copayments and deductibles. This implies that you have to pay more money each month but will cost less when you use dental services.
- On the contrary, the low coverage Dental Insurance level has lower premium amounts but higher copayments and deductibles. This implies that you have to pay less money each month but will cost more when you use dental services.
Adult & Child Dental Insurance in the Marketplace
Under the health care law of the United States, dental insurance varies for adults and children (18 and below).
- Dental coverage is deemed as an essential health benefit for children. This implies that if you are purchasing a health coverage plan for a child aged 18 and below, a dental insurance plan must be available for the child either as an individual dental coverage plan or as part of a health plan.
- Dental insurance coverage is not an essential health benefit for adults. Insurers do not have to offer dental coverage for adults.