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Check this out. So I was messing around on the ehealthinsurance website and it turns out if you buy the ACA compliant policies (that start in 2014) you also have to buy dental insurance. So in addition to my policy for the same deductible almost doubling next year, I also have to buy dental insurance even if I can't us the plan.
The Affordable Care Act ("ACA") requires us to be reasonably assured that you and each member on this policy have coverage for pediatric dental services that are essential health benefits. The Affordable Care Act requires these benefits even if there is no one on the policy who is eligible for these services.
Huh? That is patently false. They are clearly optional - you may have been tricked. The site has a couple questions you have to read carefully. Go back and start over.
Huh? That is patently false. They are clearly optional - you may have been tricked. The site has a couple questions you have to read carefully. Go back and start over.
Only if you lie on the application and state that you already have dental insurance. I don't think it's legal to lie on bank or insurance applications though. What I posted was copied directly from the ehealthinsurance site.
Only way to "try" and fund it............steal people's money. That is all government does after all anyway. The don't produce anything................ well other than reports about how much money they've stolen. lol
Is dental coverage required as of Jan. 1, 2014, under the ACA?
Yes, for children but not adults. After Jan. 1, 2014, all individual and small group market plans – both inside and outside the exchange – must be certified as "qualified health plans" except for stand-alone dental plans. QHPs must provide all "essential health benefits". Pediatric oral health services are included in the 10-category EHB package and must be offered.
Must the dental EHB benefit be purchased?
Not within exchanges run by the federal government. A federal agency interpretation of the ACA has determined that within the exchange the dental EHB need only be offered. However, in the individual and small group markets outside the exchange, the dental EHB must be purchased. The ADA strongly disagrees with this interpretation, but at this time it appears that all exchanges run by the federal government will be operating within these parameters. On the other hand, states have the authority to mandate the purchase of the dental EHB. Few states have chosen to mandate purchase or are considering doing so.
By what magnitude might the ACA reduce the numbers of adults and children who have no dental coverage?
The ACA has a bigger impact on children. The number of children without dental benefits could be reduced by approximately 55 percent. On the other hand, the number of adults without dental benefits might be reduced by approximately 5 percent.
Is dental coverage required as of Jan. 1, 2014, under the ACA?
Yes, for children but not adults. After Jan. 1, 2014, all individual and small group market plans – both inside and outside the exchange – must be certified as "qualified health plans" except for stand-alone dental plans. QHPs must provide all "essential health benefits". Pediatric oral health services are included in the 10-category EHB package and must be offered.
Must the dental EHB benefit be purchased?
Not within exchanges run by the federal government. A federal agency interpretation of the ACA has determined that within the exchange the dental EHB need only be offered. However, in the individual and small group markets outside the exchange, the dental EHB must be purchased. The ADA strongly disagrees with this interpretation, but at this time it appears that all exchanges run by the federal government will be operating within these parameters. On the other hand, states have the authority to mandate the purchase of the dental EHB. Few states have chosen to mandate purchase or are considering doing so.
By what magnitude might the ACA reduce the numbers of adults and children who have no dental coverage?
The ACA has a bigger impact on children. The number of children without dental benefits could be reduced by approximately 55 percent. On the other hand, the number of adults without dental benefits might be reduced by approximately 5 percent.
Mucho Gracias for the info!
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