Your teeth are the best friends you’ve got. Take care of them, they’ll take care of you. You should develop healthy habits in caring for your teeth by brushing, flossing, and visiting your dentist.
Under health care reform, you need to have health insurance coverage in 2014 to avoid paying a penalty tax. However, this doesn’t apply to dental coverage. You can choose plans that have dental included or pick a stand-alone dental plan, either on or off the Federally Facilitated Marketplace (FFM). Something to keep in mind is that companies do not need to include dental coverage in their plans; it is an added benefit.
The dental difference
The difference in dental coverage is between the adult and child dental insurance. On-Marketplace plans must include pediatric dental, which covers children 18 and younger. Dental coverage for children is an essential health benefit. Unfortunately for the rest of us, we’re older than 18 and our dental coverage is a choice. So choose dental!
You should research dental plans and determine whether a health insurance plan with dental included fits your needs or if a stand-alone, separate dental plan offers the coverage that you’re looking for.
Most optional dental coverage includes a variety of routine, basic, and major dental services. Diagnostic and preventive care includes regular cleanings, routine exams, X-rays, sealants, and emergency exams. Restorative services offer fillings, extractions, oral surgery, endodontic and periodontic services, crowns, and prosthodontics.