Health Care Reform Includes Dental Care
We’d understand completely if you thought that Health Care Reform was only about your traditional medical care. After all, that’s what you hear and read about most, both nationally and here in Iowa.
But Health Care Reform does include provisions for dental care – especially for children’s dental care. As regulations continue to be written, dental care may become an even larger facet of the overall reform.
April 11. 2013 - Dental Perspective: A Health Care Reform Update from Delta Dental (Newsletter for brokers and employers)
On June 28, the U.S. Supreme Court made a historic decision and upheld nearly all of the health care reform law, the Affordable Care Act (ACA).
The Court’s ruling means that by the year 2014 individuals and employees of small businesses will have new opportunities to shop for dental coverage on insurance exchanges. As the nation and state’s largest provider of dental benefits, Delta Dental urges exchange developers to protect consumers’ rights to keep their own dentist, to keep their current family dental coverage and to comparatively shop for all of their dental benefit options.
As the ACA implementation moves forward at the federal and state levels, Delta Dental remains committed to its mission of improving the oral health of all Americans. We will continue to pursue this mission by providing affordable benefit plans and through our public benefit program investing in oral health projects that focus on access to care, prevention, education and research.
- Delta Dental Plans Association - information from national Delta Dental organization on health care reform
- National Association of Dental Plans - the largest non-profit, national trade association focused exclusively on the entire dental benefits industry
- U.S. Department of Health & Human Services - Health Care Reform site
As part of the ACA, young adults up to age 26 are eligible for coverage under their parent/guardian's health care plans, regardless of marital status, dependent status, student status, or residency. Although this provision does not apply to stand-alone dental or vision insurance, Delta Dental of Iowa will allow young adults up to age 26 to be covered under their parent/guardian's policies.
Delta Dental expandeded coverage depending on the type of dental plan listed below:
- Small "Pooled" Group (2 to 50 employees) - Effective January 1, 2011, Delta Dental will provide benefits to any adult child up to age 26 that is included in the eligibility data provided by a small group employer.
- Large Fully-Insured and Self-Funded Groups (50+ eligible employees) - Delta Dental will offer employer groups the opportunity to add coverage for adult children up to age 26.
- Individual Dental - Effective January 1, 2011, all individual subscribers will have the ability to add coverage for adult children up to age 26.
As a reminder, the Iowa Continuation of Adult Children Coverage regulation requires fully-insured and self-funded public plans covered by Iowa Code Section 509A to cover adult children up to age 25. Should a large, fully-insured or self-funded public plan not elect to add coverage up to age 26, the Iowa regulation will still apply.
If you have additional questions, please contact Team ReNEW at 1-877-423-3582.
The content provided is for informational purposes only, and is not intended as legal or tax advice or opinion relative to any specific issue. Additional changes may be made to the Federal or State regulations described in this message. You should consider consulting with your lawyer or tax advisor before acting based on this information.