FAQ: Marketplace Dental Coverage
A lot of people have questions about how dental coverage works within the world of the Affordable Care Act. This FAQ guide is designed to help make things a little clearer so you can get the right dental insurance in Wilmington NC for your budget and your family’s needs.
Q: How Can I Get Dental Insurance Through the Marketplace?
A: Dental coverage is available through the Marketplace in two different ways – as part of a health plan or as a stand-alone dental plan. So, you will either choose a combination plan and pay one premium or pay separate premiums for your health and dental plans. It is important to note that you can only buy a Marketplace dental plan if you are buying a Marketplace health plan at the same time.
Q: What Types of Dental Plans are Available?
A: The Marketplace dental plans are separated into two category levels – high and low. High coverage plans come with higher premiums, but the copayments are deductibles are lower. Low coverage plans have more affordable monthly premiums, but you’ll pay more in copayments and your deductible will be higher. Both categories feature a range of different coverage plans so users can choose the best one for their unique dental needs and budget.
Q: What are the Marketplace’s Requirements for Child Dental Insurance?
Under the Affordable Care Act, dental coverage is considered an “essential health benefit” for children under 18 years of age. So, if you are buying healthcare coverage for a child under the age of 18, dental insurance must be available as either a part of that plan or as a stand-alone plan. But, the Marketplace does not require you to buy the dental insurance. It only requires it to be available.
Q: Will I Be Charged a Penalty if I Don’t Have Dental Insurance?
No. The penalty only applies to health insurance, not dental insurance. The Marketplace does not require anyone to buy dental coverage if they do not want it.
Q: Can I Still Keep My Marketplace Health Plan if I Cancel My Dental Plan?
The answer to this depends on the type of dental plan you have. If you have a dental plan that’s a stand-alone plan, then you can cancel it at any time without it having any effect on your health insurance. But, if your dental coverage is an included benefit in your Marketplace health plan, then you will have to change health insurance plans to one that doesn’t offer dental coverage, and you can only qualify for this change if you go through one of the approved “life events.” If you have not experienced a qualifying life event, then you will have to keep your dental coverage until the next open enrollment period.
Shop for Affordable Dental Insurance Wilmington NC Today
If you can’t find the right dental plan for your needs in the Marketplace, don’t worry; Schnitzer-Slate offers affordable dental insurance Wilmington NC. We are a leading provider of Blue Cross Blue Shield insurance in North Carolina and we have a wide range of dental plans designed for every need and budget. We can help you get the dental coverage your family needs to stay healthy.
Just give Schnitzer-Slate a call today at 910-392-7020. One of our agents will help you find affordable dental insurance Wilmington NC. Or, just visit our website at http://healthplannc.com/ to learn more about our BCBSNC health and dental insurance plans.
Q: How Can I Get Dental Insurance Through the Marketplace?
A: Dental coverage is available through the Marketplace in two different ways – as part of a health plan or as a stand-alone dental plan. So, you will either choose a combination plan and pay one premium or pay separate premiums for your health and dental plans. It is important to note that you can only buy a Marketplace dental plan if you are buying a Marketplace health plan at the same time.
Q: What Types of Dental Plans are Available?
A: The Marketplace dental plans are separated into two category levels – high and low. High coverage plans come with higher premiums, but the copayments are deductibles are lower. Low coverage plans have more affordable monthly premiums, but you’ll pay more in copayments and your deductible will be higher. Both categories feature a range of different coverage plans so users can choose the best one for their unique dental needs and budget.
Q: What are the Marketplace’s Requirements for Child Dental Insurance?
Under the Affordable Care Act, dental coverage is considered an “essential health benefit” for children under 18 years of age. So, if you are buying healthcare coverage for a child under the age of 18, dental insurance must be available as either a part of that plan or as a stand-alone plan. But, the Marketplace does not require you to buy the dental insurance. It only requires it to be available.
Q: Will I Be Charged a Penalty if I Don’t Have Dental Insurance?
No. The penalty only applies to health insurance, not dental insurance. The Marketplace does not require anyone to buy dental coverage if they do not want it.
Q: Can I Still Keep My Marketplace Health Plan if I Cancel My Dental Plan?
The answer to this depends on the type of dental plan you have. If you have a dental plan that’s a stand-alone plan, then you can cancel it at any time without it having any effect on your health insurance. But, if your dental coverage is an included benefit in your Marketplace health plan, then you will have to change health insurance plans to one that doesn’t offer dental coverage, and you can only qualify for this change if you go through one of the approved “life events.” If you have not experienced a qualifying life event, then you will have to keep your dental coverage until the next open enrollment period.
Shop for Affordable Dental Insurance Wilmington NC Today
If you can’t find the right dental plan for your needs in the Marketplace, don’t worry; Schnitzer-Slate offers affordable dental insurance Wilmington NC. We are a leading provider of Blue Cross Blue Shield insurance in North Carolina and we have a wide range of dental plans designed for every need and budget. We can help you get the dental coverage your family needs to stay healthy.
Just give Schnitzer-Slate a call today at 910-392-7020. One of our agents will help you find affordable dental insurance Wilmington NC. Or, just visit our website at http://healthplannc.com/ to learn more about our BCBSNC health and dental insurance plans.