Click here to close now.

Welcome!

News Feed Item

Are Your Teeth Covered? One Third of Americans Still in Need of Affordable Dental Care Options

PLANTATION, FL -- (Marketwired) -- 03/19/14 -- According to Healthcare.gov, the Health and Human Services arm that is in charge of the federal health exchange, more than 400,000 applications for stand-alone dental plan coverage were received through the public exchange(1). While some Americans are signing up, according to the National Association of Dental Plans, 126.7 million Americans are still without dental coverage nationwide -- that's more than one-third of the 313 million people who reside in the United States.

Everyone needs an affordable medical plan in order to maintain good health and be prepared for emergencies, and now having one is required by law. The goal of the Affordable Care Act (ACA) is to offer individuals, families, seniors, and employers/groups access to affordable health plans to help them maintain good health and be covered when needed. While some of the ACA health plans include dental coverage, many do not. This leaves many Americans confused as to whether their or their family's teeth are covered under the ACA.

As the Affordable Care Act (ACA) enrollment period comes to a close on March 31, 2014, many Americans are wondering what options they have for dental coverage. Dental care is critical to a person's overall health. Adult dental issues are linked to heart disease, stroke, diabetes, pneumonia, poor pregnancy outcomes, and dementia. And tooth decay is the number one childhood illness, causing malnourishment, infections, and surgery leading to problems eating, speaking, and learning, according to the National Children's Oral Health Foundation.

Under the ACA, pediatric dental care is defined as one of the 10 Essential Health Benefits (EHB) for children (up to 19 years old). 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.

The ACA also 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.

And for Baby Boomers who are retiring and will lose employer sponsored insurance, they now will 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.

So where does that leave Americans' teeth? The ACA really falls short in covering this gap for most of them when it comes to their dental care. As an alternative, dental savings plans are becoming a more popular choice for Americans. According to the National Association of Dental Plans (NADP), sweeping changes in dental coverage will result in approximately 30 to 40 million people entering the dental benefits market and another 10 to 20 million people will either lose or change their current benefits plan.

"Quality dental care should be accessible and affordable to everyone," says Jennifer Stoll, president of DentalPlans.com. "Oral and vision care are an essential part of a person's overall health and well-being and lack of coverage can really impact your quality of life." Visit http://www.pinterest.com/pin/233694668138521490/, to learn more about the connection between your oral health and overall health, as well as important ACA facts and deadlines.

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, which are 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 forms 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. Although these plans are not insurance, the savings can be significant. 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 Discounted    Total Savings
                   Fee                Fee
----------------------------------------------------------------------------
Routine 6 Month    $73/person         $19/person           $216 for four
Check-up
----------------------------------------------------------------------------
Adult Teeth        $122/adult         $39/adult            $166 for two
Cleaning
----------------------------------------------------------------------------
Child Teeth        $84/child          $31/child            $106 for two
Cleaning
----------------------------------------------------------------------------
Four Bitewing X-   $80/person         $26/person           $216 for four
Rays
----------------------------------------------------------------------------
Total Savings                                              $704*
----------------------------------------------------------------------------

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 140,000 dentists to choose from nationwide. Participating dental specialists include orthodontists, oral surgeons, periodontists, endodontists, pediatric dentists, and general dentists. DentalPlans.com also offers savings 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.

1. Source: BenefitsPro, Dental plans find cavities in exchange stats, by Allison Bell, Feb. 21, 2014

Image Available: http://www2.marketwire.com/mw/frame_mw?attachid=2546712

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
In the midst of the widespread popularity and adoption of cloud computing, it seems like everything is being offered “as a Service” these days: Infrastructure? Check. Platform? You bet. Software? Absolutely. Toaster? It’s only a matter of time. With service providers positioning vastly differing offerings under a generic “cloud” umbrella, it’s all too easy to get confused about what’s actually being offered. In his session at 16th Cloud Expo, Kevin Hazard, Director of Digital Content for SoftL...
Agile, which started in the development organization, has gradually expanded into other areas downstream - namely IT and Operations. Teams – then teams of teams – have streamlined processes, improved feedback loops and driven a much faster pace into IT departments which have had profound effects on the entire organization. In his session at DevOps Summit, Anders Wallgren, Chief Technology Officer of Electric Cloud, will discuss how DevOps and Continuous Delivery have emerged to help connect dev...
Today air travel is a minefield of delays, hassles and customer disappointment. Airlines struggle to revitalize the experience. GE and M2Mi will demonstrate practical examples of how IoT solutions are helping airlines bring back personalization, reduce trip time and improve reliability. In their session at @ThingsExpo, Shyam Varan Nath, Principal Architect with GE, and Dr. Sarah Cooper, M2Mi’s VP Business Development and Engineering, will explore the IoT cloud-based platform technologies drivi...
Containers are changing the security landscape for software development and deployment. As with any security solutions, security approaches that work for developers, operations personnel and security professionals is a requirement. In his session at DevOps Summit, Kevin Gilpin, CTO and Co-Founder of Conjur, will discuss various security considerations for container-based infrastructure and related DevOps workflows.
It is one thing to build single industrial IoT applications, but what will it take to build the Smart Cities and truly society-changing applications of the future? The technology won’t be the problem, it will be the number of parties that need to work together and be aligned in their motivation to succeed. In his session at @ThingsExpo, Jason Mondanaro, Director, Product Management at Metanga, discussed how you can plan to cooperate, partner, and form lasting all-star teams to change the world...
Overgrown applications have given way to modular applications, driven by the need to break larger problems into smaller problems. Similarly large monolithic development processes have been forced to be broken into smaller agile development cycles. Looking at trends in software development, microservices architectures meet the same demands. Additional benefits of microservices architectures are compartmentalization and a limited impact of service failure versus a complete software malfunction. ...
Internet of Things is moving from being a hype to a reality. Experts estimate that internet connected cars will grow to 152 million, while over 100 million internet connected wireless light bulbs and lamps will be operational by 2020. These and many other intriguing statistics highlight the importance of Internet powered devices and how market penetration is going to multiply many times over in the next few years.
Internet of Things (IoT) will be a hybrid ecosystem of diverse devices and sensors collaborating with operational and enterprise systems to create the next big application. In their session at @ThingsExpo, Bramh Gupta, founder and CEO of robomq.io, and Fred Yatzeck, principal architect leading product development at robomq.io, discussed how choosing the right middleware and integration strategy from the get-go will enable IoT solution developers to adapt and grow with the industry, while at th...
Containers have changed the mind of IT in DevOps. They enable developers to work with dev, test, stage and production environments identically. Containers provide the right abstraction for microservices and many cloud platforms have integrated them into deployment pipelines. DevOps and Containers together help companies to achieve their business goals faster and more effectively. In his session at DevOps Summit, Ruslan Synytsky, CEO and Co-founder of Jelastic, reviewed the current landscape of...
Malicious agents are moving faster than the speed of business. Even more worrisome, most companies are relying on legacy approaches to security that are no longer capable of meeting current threats. In the modern cloud, threat diversity is rapidly expanding, necessitating more sophisticated security protocols than those used in the past or in desktop environments. Yet companies are falling for cloud security myths that were truths at one time but have evolved out of existence.
The cloud has transformed how we think about software quality. Instead of preventing failures, we must focus on automatic recovery from failure. In other words, resilience trumps traditional quality measures. Continuous delivery models further squeeze traditional notions of quality. Remember the venerable project management Iron Triangle? Among time, scope, and cost, you can only fix two or quality will suffer. Only in today's DevOps world, continuous testing, integration, and deployment upend...
The time is ripe for high speed resilient software defined storage solutions with unlimited scalability. ISS has been working with the leading open source projects and developed a commercial high performance solution that is able to grow forever without performance limitations. In his session at Cloud Expo, Alex Gorbachev, President of Intelligent Systems Services Inc., shared foundation principles of Ceph architecture, as well as the design to deliver this storage to traditional SAN storage co...
To many people, IoT is a buzzword whose value is not understood. Many people think IoT is all about wearables and home automation. In his session at @ThingsExpo, Mike Kavis, Vice President & Principal Cloud Architect at Cloud Technology Partners, discussed some incredible game-changing use cases and how they are transforming industries like agriculture, manufacturing, health care, and smart cities. He will discuss cool technologies like smart dust, robotics, smart labels, and much more. Prepare...
"We provide a web application framework for building really sophisticated web applications that run on a browser without any installation need so we get used for biotech, defense, and banking applications," noted Charles Kendrick, CTO and Chief Architect at Isomorphic Software, in this SYS-CON.tv interview at @DevOpsSummit (http://DevOpsSummit.SYS-CON.com), held June 9-11, 2015, at the Javits Center in New York
The Internet of Things is not only adding billions of sensors and billions of terabytes to the Internet. It is also forcing a fundamental change in the way we envision Information Technology. For the first time, more data is being created by devices at the edge of the Internet rather than from centralized systems. What does this mean for today's IT professional? In this Power Panel at @ThingsExpo, moderated by Conference Chair Roger Strukhoff, panelists addressed this very serious issue of pro...