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Have you even been on the exchange? The exchange has plans both with and without. It was a regulatory ruling that plans sold on the exchange do not have to offer pediatric dental. If you pick one without and you have people under 19 on your plan a window pops up asking you if that is really what you want. You can decline to purchase it at that point. I bought a plan without pediatric dental. You are wrong. That is all there is to it. I can't sugar coat it for you. I am getting really sick of all the righties talking about what is and what is not in the ACA plans without ever having looked at them on the exchange. And spare me the BS that the web site does not work. You would know better about that too if you actually had been using it recently.
Not questioning you. I was just citing the .gov website that said every plan would have it.
Reality, as you point out, seems to be different.
He/She got it off the Obamacare exchange and was able to "opt out".
Reality seems to be different than what HHS says is the law.
The .gov site says that's the minimum each plan must have but can have more.
It says nothing about opting out which seems to be the case when you apply.
I read somewhere that it was a regulatory decison some where along the line and it was not supported by proponents of the pediatric provisions. The thing I read said you can only buy non-pediatric dental on the exchange and not directly from the insurers. But even that is not true. If you go on ehealthinsurance then all the plans are with pediadental, but on gohealthinsurance they have both. Also, the website for the insurer I chose sold them both ways. They make you check a box that you agree you have made other arrangement for your under 19's for dental which I have.
Of course my experience applies only to plans in my own area. I don't know if this is the case nationwide.
While it sounds like a great bill, how exactly would it be implemented? That's like me naming a bill "The Wealth and Prosperity Encouragement Bill", while it sounds nice, what exactly am I going to do to encourage wealth and prosperity?
I cut this line from the pdf application of the insurer I chose:
"Purchasing pediatric dental coverage with Health Net? ■ Yes ■ No
Note: If a pediatric dental plan is purchased, all children will be enrolled in the pediatric plan.
■ If “No,” I confirm that I am purchasing pediatric dental coverage with another carrier as required by ACA mandate."
I cut this line from the pdf application of the insurer I chose:
"Purchasing pediatric dental coverage with Health Net? ■ Yes ■ No
Note: If a pediatric dental plan is purchased, all children will be enrolled in the pediatric plan.
■ If “No,” I confirm that I am purchasing pediatric dental coverage with another carrier as required by ACA mandate."
What about pediatric medical and vision ? Are you able to opt out of all pediatric services if you have no kids ?
I love my new ObamaJunk policy with the higher deductible and 50% coinsurance and higher total out of pocket. It is sooo much better.
Me too! For icing on the cake, my present doctor isn't listed as accepting this wonderful BO policy. More than a bit ironic, as he's a big Democrat supporter.
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