Why Buying Dental Coverage Makes Good Sense

Posted on January 8, 2016 in Dental benefit information

While the Affordable Care Act requires individuals to have health insurance, it doesn't require adults to have full dental coverage, nor does it require health plans to offer adult dental benefits. But if you don't have dental coverage, you should seriously consider it. Here's why.

Compared to health insurance, dental coverage is relatively low cost. Even major dental procedures are often much less costly than many medical claims, which helps keeps the price of coverage down.

Dental coverage encourages preventive checkups that can help prevent bigger problems – and save money. At each checkup, dentists screen for a number of health and oral health issues, from gum disease to oral cancer and diabetes. Visiting the dentist regularly could help you detect health issues early, potentially minimizing their effects and preventing them from becoming more severe. And, most dental plans cover preventive care at 100 percent, so there's little to no out-of-pocket cost to you for regular checkups and cleanings.

Buying On the Exchange

You can enroll through your state exchange where dental coverage is offered as stand-alone coverage for families, separate from medical plans. You are not required to purchase children's coverage in order to purchase stand-alone coverage for you or your adult family members.

Buying Off Of the Exchange

To buy off of the exchange, you can purchase individual or family coverage through an agent/broker or directly from our website. You may also be eligible to purchase dental plans through your employer, or as a member of an organization such as AARP. Be sure to explore your options to find the right plan for you and your family.