Welcome!

News Feed Item

126.7 Million Americans in Need of Dental Care Options

Public Looks to Alternatives, Like Dental Savings Plans, to Get Care Not Covered by the Affordable Care Act

PLANTATION, FL -- (Marketwired) -- 02/10/14 -- As the Affordable Care Act (ACA) discussion switches from accessing the federal and state health exchange web sites, to what care is provided, millions of Americans are finding out that dental care for adults and seniors, and even children in some cases, remains uncovered. According to the National Association of Dental Plans, 126.7 million Americans lack dental coverage nationwide -- nearly three times the number of medically uninsured.

Here is a look at how the ACA may affect your family's access to dental care.

Children. While the ACA defines dental services as an Essential Health Benefit (EHB) for children (up to 19 years), this does not mean that dental care will automatically be a part of a family's insurance plan or that they will be covered. The ACA marketplaces are required to offer pediatric dental plans, but they may be separate from the medical plan and sold as stand-alone policies. It is these stand-alone policies that worry experts and deter consumers from the exchanges. Families who opt not to buy stand-alone dental coverage for their children won't be penalized. And if they do purchase a stand-alone dental plan, it won't be eligible for a federal subsidy, even if they are eligible for help in buying their overall health plan.

Connecticut is one of the few states that offers pediatric dental in all of its health plans. Some states require parents to purchase stand-alone dental plans, like Washington and Nevada. State exchanges in New York and Massachusetts, and most of those run by the federal government, offer a choice of health plans with or without embedded pediatric dental benefits and stand-alone plans. Each state has a lot of leeway in determining what dental services are offered, especially when it comes to setting deductibles, co-payments and co-insurance. That leaves families vulnerable to the possibility of paying thousands of dollars for dental care even though they have insurance. Families should consider their children's potential dental needs and how the costs are applied when evaluating plans in their state.

Adults. Overall, dental coverage for adults is decreasing due to the elimination of adult dental Medicaid benefits in many states. In 2010, 22 states provided no adult Medicaid dental benefits, and since that time additional states have severely curtailed their dental benefits. And as a result of the ACA, the National Association of Dental Plans has estimated that up to 11 million Americans may drop dental coverage when their children are removed from their dental policies.

The ACA does not require adults to be covered for dental services in medical plans. Therefore, adult dental benefits have to be purchased separately, because they are optional under the law. Stand-alone dental plans may be available through the federal health exchange, healthcare.gov, but only with the purchase of medical insurance plans. For example, if you have health insurance through your employer, but not dental insurance, you won't be able to buy just dental coverage on healthcare.gov.

Seniors. As the Baby Boomers retire they will lose employer sponsored insurance and need to pay out-of-pocket for dental care or obtain alternative coverage such as through a Medicare Advantage plan. According to a recent study prepared for the American Dental Association, two-thirds (66 percent) of adults 65 and over have no dental coverage. For the most part, Medicare has never covered comprehensive dental benefits for seniors; the program pays only in certain cases where dental and medical needs intersect. And only two percent of retirees have dental coverage through a prior employer, according to Oral Health America.

When evaluating marketplace plan options, individuals and families should consider the following factors:

  • Identify covered dental or vision services, co-payments and reimbursement percentage levels.
  • Know the deductible that must be met before non-preventive services are covered.
  • Review the network to see whether changes in providers may be needed.
  • Understand whether there is a waiting period that must be met before using the benefits.
  • Know whether there are exclusions or conditions for coverage.
  • Know whether the out-of-pocket maximum applies separately to dental or if the medical out-of-pocket applies.

The goal of health care reform is to extend affordable benefits to Americans who may not have had the opportunity to purchase them in the past. This mainly includes individuals who are self-employed or work for small employers with fewer than 50 employees. This however, does not include most dental and vision benefits sold in stand-alone policies, which account for 98 percent of dental and vision benefits for adults. The ACA really falls short in covering this gap for most Americans when it comes to their dental care.

"We think quality dental care should be accessible and affordable to everyone," says Jennifer Stoll, president of DentalPlans.com. "That's the basic premise of DentalPlans.com, to provide access to quality services in a format that provides information that is easy to understand. Oral and vision care is an essential part of a person's overall health and well-being and lack of coverage can really impact your quality of life. We in fact are already a private exchange for dental savings plans, and have been operating as a marketplace since 1999."

Sweeping changes in dental coverage are driving growth in the discount dental plan market, according to the National Association of Dental Plans (NADP). As the ACA is instituted, approximately 30 to 40 million people will enter the dental benefits market and another 10 to 20 million people will either lose or change their current benefit plans. As a result, more dental patients will pay for their services in cash, making dental savings plans, like those offered by DentalPlans.com, a more popular choice for Americans.

Dental savings plans provide programs that help individuals, families, and groups save on their dental care and other health-related services, with one low annual fee. Similar to a warehouse club, consumers pay an annual fee and get access to significantly reduced rates on dental services, cosmetic dentistry and orthodontia, as well as vision and prescriptions, depending on the plan they choose. Services may include annual cleanings, x-rays, crowns, root canals, and even cosmetic and orthodontic procedures, not typically covered by insurance.

The benefits of a dental savings plan include savings of 10 to 60 percent off what you would pay without a savings plan or insurance, no waiting to use your plan, no claims to file, no limit on how often you can use your plan, and offer an open-enrollment. Even if you already have dental insurance, the dental savings plans may be used along with your dental insurance for even more savings on your dental care once your annual maximums have been met. The savings can be substantial. For example:

Example savings:
Plan: Careington Care 500 Series
Scenario: Two Adults and Two Dependent Children
Annual Family Membership Fee: $189.95

----------------------------------------------------------------------------
                            Typical Dentist  Sample            Total Savings
                            Fee              Discounted Fee
----------------------------------------------------------------------------
Routine 6 Month Check-up    $63/person       $19/person        $176 for four
----------------------------------------------------------------------------
Adult Teeth Cleaning        $122/adult       $39/adult         $166 for two
----------------------------------------------------------------------------
Child Teeth Cleaning        $84/child        $31/child         $106 for two
----------------------------------------------------------------------------
Four Bitewing X-Rays        $80/person       $26/person        $216 for four
----------------------------------------------------------------------------
Total Savings                                                  $664*
----------------------------------------------------------------------------

Using the Careington Care 500 Series plan, which costs a low annual fee of $189.95, a family of four could save $626 just on their annual ADA recommended treatments alone. That's $436 in savings, when including the cost of the plan. And the savings can really add up when considering additional dental care that may be needed for you and your family, like sealants for children's teeth, crowns, braces, and more.

DentalPlans.com has been providing dental savings plans since 1999. The company offers an extensive selection of comprehensive dental savings plans from the nation's most trusted networks, like Aetna and Careington, and more than 100,000 dentists to choose from nationwide. Participating dental specialists include orthodontists, oral surgeons, periodontists, endodontists, pediatric dentists, and general dentists. DentalPlans.com also offers discount plans for vision, hearing, chiropractic, and pharmaceutical services.

About DentalPlans.com
DentalPlans.com has successfully been operating as a private exchange since 1999, as the leading retailer of dental savings plans. Similar to a membership at a warehouse club, consumers pay an annual fee and get access to reduced rates on dental services and cosmetic dentistry and orthodontia, as well as vision and pharmacy. Members can choose from more than 30 different plans from trusted healthcare brands, like Aetna, Careington, Signature Wellness, and UNI-CARE, and have access to more than 140,000 dentists in combined networks nationwide. DentalPlans.com has affordable plans to fit any need and budget. And, depending on the plan you choose, consumers save 10 to 60 percent off services. Visitors of DentalPlans.com can compare plans by ZIP code or procedure, view sample savings and find a nearby dentist. DentalPlans.com is committed to making you smile, by making access to quality oral healthcare affordable and available to everyone nationwide. It's one of the reasons the company has been on the Inc. 5000 list, 3 years standing. To connect with DentalPlans.com visit us at www.dentalplans.com or on Facebook at www.facebook.com/dentalplans.

*Individual plans vary.

*Regular cost is based on the national average of the 80th percentile usual and customary rates as detailed in the 2013 FairHealth Report in the Los Angeles, Orlando, Chicago and New York City metropolitan statistical areas.

*These fees represent the average of the assigned Careington Care 500 Series fees in the Los Angeles, Orlando, Chicago and New York City metropolitan statistical areas.

Prices subject to change.

Add to Digg Bookmark with del.icio.us Add to Newsvine

For more information:
Melissa Watkins
Public Relations Counsel
Office: 804-402-5316
[email protected]

Kelly Cioe
Public Relations Counsel
Office: 603-436-2347
[email protected]

More Stories By Marketwired .

Copyright © 2009 Marketwired. All rights reserved. All the news releases provided by Marketwired are copyrighted. Any forms of copying other than an individual user's personal reference without express written permission is prohibited. Further distribution of these materials is strictly forbidden, including but not limited to, posting, emailing, faxing, archiving in a public database, redistributing via a computer network or in a printed form.

Latest Stories
Many companies start their journey to the cloud in the DevOps environment, where software engineers want self-service access to the custom tools and frameworks they need. Machine learning technology can help IT departments keep up with these demands. In his session at 21st Cloud Expo, Ajay Gulati, Co-Founder, CTO and Board Member at ZeroStack, will discuss the use of machine learning for automating provisioning of DevOps resources, taking the burden off IT teams.
SYS-CON Events announced today that Cedexis will exhibit at SYS-CON's 21st International Cloud Expo®, which will take place on Oct 31 – Nov 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA. Cedexis is the leader in data-driven enterprise global traffic management. Whether optimizing traffic through datacenters, clouds, CDNs, or any combination, Cedexis solutions drive quality and cost-effectiveness.
SYS-CON Events announced today that Enroute Lab will exhibit at the Japan External Trade Organization (JETRO) Pavilion at SYS-CON's 21st International Cloud Expo®, which will take place on Oct 31 – Nov 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA. Enroute Lab is an industrial design, research and development company of unmanned robotic vehicle system. For more information, please visit http://elab.co.jp/.
SYS-CON Events announced today that Mobile Create USA will exhibit at the Japan External Trade Organization (JETRO) Pavilion at SYS-CON's 21st International Cloud Expo®, which will take place on Oct 31 – Nov 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA. Mobile Create USA Inc. is an MVNO-based business model that uses portable communication devices and cellular-based infrastructure in the development, sales, operation and mobile communications systems incorporating GPS capabi...
SYS-CON Events announced today that Suzuki Inc. will exhibit at the Japan External Trade Organization (JETRO) Pavilion at SYS-CON's 21st International Cloud Expo®, which will take place on Oct 31 – Nov 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA. Suzuki Inc. is a semiconductor-related business, including sales of consuming parts, parts repair, and maintenance for semiconductor manufacturing machines, etc. It is also a health care business providing experimental research for...
IBM helps FinTechs and financial services companies build and monetize cognitive-enabled financial services apps quickly and at scale. Hosted on IBM Bluemix, IBM’s platform builds in customer insights, regulatory compliance analytics and security to help reduce development time and testing. In his session at 21st Cloud Expo, Lennart Frantzell, a Developer Advocate with IBM, will discuss how these tools simplify the time-consuming tasks of selection, mapping and data integration, allowing devel...
Cloud-based disaster recovery is critical to any production environment and is a high priority for many enterprise organizations today. Nearly 40% of organizations have had to execute their BCDR plan due to a service disruption in the past two years. Zerto on IBM Cloud offer VMware and Microsoft customers simple, automated recovery of on-premise VMware and Microsoft workloads to IBM Cloud data centers.
Why Federal cloud? What is in Federal Clouds and integrations? This session will identify the process and the FedRAMP initiative. But is it sufficient? What is the remedy for keeping abreast of cutting-edge technology? In his session at 21st Cloud Expo, Rasananda Behera will examine the proposed solutions: Private or public or hybrid cloud Responsible governing bodies How can we accomplish?
Real IoT production deployments running at scale are collecting sensor data from hundreds / thousands / millions of devices. The goal is to take business-critical actions on the real-time data and find insights from stored datasets. In his session at @ThingsExpo, John Walicki, Watson IoT Developer Advocate at IBM Cloud, will provide a fast-paced developer journey that follows the IoT sensor data from generation, to edge gateway, to edge analytics, to encryption, to the IBM Bluemix cloud, to Wa...
With the rise of DevOps, containers are at the brink of becoming a pervasive technology in Enterprise IT to accelerate application delivery for the business. When it comes to adopting containers in the enterprise, security is the highest adoption barrier. Is your organization ready to address the security risks with containers for your DevOps environment? In his session at @DevOpsSummit at 21st Cloud Expo, Chris Van Tuin, Chief Technologist, NA West at Red Hat, will discuss: The top security r...
SYS-CON Events announced today that Massive Networks, that helps your business operate seamlessly with fast, reliable, and secure internet and network solutions, has been named "Exhibitor" of SYS-CON's 21st International Cloud Expo ®, which will take place on Oct 31 - Nov 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA. As a premier telecommunications provider, Massive Networks is headquartered out of Louisville, Colorado. With years of experience under their belt, their team of...
SYS-CON Events announced today that Nihon Micron will exhibit at the Japan External Trade Organization (JETRO) Pavilion at SYS-CON's 21st International Cloud Expo®, which will take place on Oct 31 – Nov 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA. Nihon Micron Co., Ltd. strives for technological innovation to establish high-density, high-precision processing technology for providing printed circuit board and metal mount RFID tags used for communication devices. For more inf...
SYS-CON Events announced today that mruby Forum will exhibit at the Japan External Trade Organization (JETRO) Pavilion at SYS-CON's 21st International Cloud Expo®, which will take place on Oct 31 – Nov 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA. mruby is the lightweight implementation of the Ruby language. We introduce mruby and the mruby IoT framework that enhances development productivity. For more information, visit http://forum.mruby.org/.
In his session at @ThingsExpo, Greg Gorman is the Director, IoT Developer Ecosystem, Watson IoT, will provide a short tutorial on Node-RED, a Node.js-based programming tool for wiring together hardware devices, APIs and online services in new and interesting ways. It provides a browser-based editor that makes it easy to wire together flows using a wide range of nodes in the palette that can be deployed to its runtime in a single-click. There is a large library of contributed nodes that help so...
SYS-CON Events announced today that Ryobi Systems will exhibit at the Japan External Trade Organization (JETRO) Pavilion at SYS-CON's 21st International Cloud Expo®, which will take place on Oct 31 – Nov 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA. Ryobi Systems Co., Ltd., as an information service company, specialized in business support for local governments and medical industry. We are challenging to achive the precision farming with AI. For more information, visit http:...