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.
All Delta Dental individual and small group plans will include the ACA required pediatric dental benefits. Below are resources for members and employers:
- Pediatric Dental and Health Care Reform - information on how health care reform is changing children's dental benefits.
- Per-Person Pricing - dental benefits for adults and children are different. Pricing for small groups and individuals is now per person.
- Small Group and Health Care Reform - information on health care reform affects dental benefits for small group employers with 1-50 employees.
- Large Group and Health Care Reform - information on how health care reform affects dental benefits for large group employers with 51 or more employees.
- Members and Health Care Reform - information on how health care reform affects dental benefits for small group and individual members.
- 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 expanded coverage depending on the type of dental plan listed below:
- Small "Pooled" Group (1 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.
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.