Kids need dental insurance, too!!!

Children’s Dental Coverage

As of January 1, 2014, most Americans will be required to have dental coverage for their children. The Department of Health and Human Services (HHS) is charged with defining what the benefit plans look like and what the age limit will be. In a November 2012 Notice of Proposed Rulemaking on the essential health benefits (EHB), HHS proposed an age limit of up to 19, with the option for states to raise it higher. In the same EHB proposed rule, HHS sets up a framework that would allow states to select “benchmark” health plans that would serve as standards for coverage on Health Insurance Exchanges. According to this guidance, if a state does not select a health plan with pediatric dental coverage in it, it can select either the Federal Employee Dental and Vision Plan (FEDVIP) or the Children’s Health Insurance Plan (CHIP) plan as a standard for the state. If the state opts not to make a selection, the pediatric plan for the state will default to FEDVIP. These selections would be revisited by HHS in two years. Delta Dental has recommended, and continues to advocate for, a scientifically supported plan design that is intended to do the most good for the largest amount of kids.

Also starting in 2014, individuals and small businesses will have access to kids’ dental plans through Health Insurance Exchanges. People who meet certain income requirements will get subsidies to help pay for coverage
Child Only Dental Insurance Plans

The Affordable Care Act (ACA) makes a number of important improvements intended to increase access to dental coverage for children who get health coverage in the individual and small group health insurance markets, including those who will be covered through the new public and private health insurance exchanges.

Why choose Denali Dental Child only dental care plans?

There is a major children’s dental crisis currently going on in this country. Millions of children are not going to the dentist because their parents can’t find affordable dental coverage. That is a unfortunate because basic periodic checkups, cleanings, fluoride applications, and sealants can prevent early tooth decay and gum disease in children.

Denali Dental is available to applicants aged 18 and older, their spouse and dependent children under the age of 26. Child-only dental coverage is available for dependent children, up to age 18.

Denali Dental Child only Plan Highlights:

Choose your own dentist
No waiting periods
Choice of Indemnity or PPO Dental Plans
Pediatric – Child only dental plans available
Child Orthodontics covered in network
Guaranteed acceptance
Implants and major services covered
Three cleanings and two exams per year
Takeover credit from previous coverage
$1,500, $2,500, or $3,500 maximums

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