Dental Insurance And Individual Health Plans

August 26, 2016

You could rarely find and buy individual health plans that also cover dental hygiene. There is useful information that people should know particularly if they consider buying the policies separately.

It is estimated that about 45 million Americans currently don’t own any dental insurance policy. Most non-elderly citizens who own individual health plans also own dental hygiene policies. However, majority of people who buy health insurance plans by themselves do not have dental insurance. This data is based on a report released by Centers for Disease Manage and Prevention.

While individual health plans cover several added services like basic emergency care in addition to costs of prescription drugs, they logically are not necessary to include coverage for adult oral care. Nevertheless, for health insurance policies for children, dental services are needed.

In March 2010, reforms to the healthcare insurance coverage were set. However, despite the push exerted through many advocates, that bill did not include the wider dental component. Supporters and proponents of the reform argued that each health plans already cover costs for other pressing health problems like diabetes and heart diseases.

About 75% of 172 million Americans under age 65 years (who own private health insurance plans) have dental insurance plans as well. Their employers mostly supply the health insurances. Among those with separate dental protection, more than a quarter of them have comprehensive plans with dental insurance while one fourth have stand-alone plans. Some have both.

About 90 million Americans own individual health plans through Medicaid and Medicare insurance, which both do not offer dental care programs for adults. There is no figure available regarding public health insurance plans. Medicaid shoulders dental take care of people under 21 years old. The insurer currently serves up to 45 million people of the low-income group. However, such patients complain about troubles to find accredited dentists.

A separate government-sponsored program provides dental hygiene, albeit limited. It is the Children’s Health Insurance coverage Program. As for the older people, they could always choose to purchase separate dental care policies from health insurance companies.

Do you look for health insurers that also offer dental hygiene plans? Data from the Association for Health Insurance Plans reveal that we now have only a few insurers that do so. Individuals include Cigna Corp, Aetna Inc, Assurant Inc, Humana Inc, as well as UnitedHealth Group Inc. The association represents up to 80 of overall dental insurance plans in america. There are also health insurance plans that offer dental coverage included in health policies. They include several and specific programs from MetLife, Principal Financial Group Inc, and Azure Cross Blue Shield Association.

Experts advise people to purchase dental care insurance policies even if they currently own individual healthcare plans. Purchasing separate plans is more advisable especially because it might be very hard, if not impossible, to find and purchase health insurance policies that also include dental protection.