Can I get dental coverage in the Marketplace?
Written by Katie Carpenter
Dec 6, 2013 4:32 PM
Starting in 2014, you must have health coverage or pay a fee. But, you do not need to have dental coverage to avoid the penalty.
Health insurance plans often do not include vision and dental insurance, but separate plans are available to help cover those costs. In the Health Insurance Marketplace, you generally can get dental coverage as part of a health plan or by itself through a separate, stand-alone dental plan.
According to HealthCare.gov, dental coverage for children is an essential health benefit- This means it must be available to you as part of a health plan or as a free-standing plan. Insurers don’t have to offer adult dental coverage.
Dental coverage is available two ways:
- Some health plans within the Marketplace will include dental coverage. You can see which plans include dental coverage when you compare them at HealthCare.gov. If a plan does include dental coverage, the premium that is shown for that particular plan includes both health and dental coverage.
- Separate, stand-alone dental plans. This is an option if the health plan you choose doesn’t include dental coverage, or if you want different dental coverage. If you choose a separate dental plan, you’ll pay a separate, additional premium for the dental plan.