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
Adult Teeth        $122/adult         $39/adult            $166 for two
Child Teeth        $84/child          $31/child            $106 for two
Four Bitewing X-   $80/person         $26/person           $216 for four
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
Traditional on-premises data centers have long been the domain of modern data platforms like Apache Hadoop, meaning companies who build their business on public cloud were challenged to run Big Data processing and analytics at scale. But recent advancements in Hadoop performance, security, and most importantly cloud-native integrations, are giving organizations the ability to truly gain value from all their data. In his session at 19th Cloud Expo, David Tishgart, Director of Product Marketing ...
“Media Sponsor” of SYS-CON's 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. CloudBerry Backup is a leading cross-platform cloud backup and disaster recovery solution integrated with major public cloud services, such as Amazon Web Services, Microsoft Azure and Google Cloud Platform.
SYS-CON Events announced today that Embotics, the cloud automation company, will exhibit at the 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. Embotics is the cloud automation company for IT organizations and service providers that need to improve provisioning or enable self-service capabilities. With a relentless focus on delivering a premier user experience and unmatched customer support, Embotics is the fas...
In the next five to ten years, millions, if not billions of things will become smarter. This smartness goes beyond connected things in our homes like the fridge, thermostat and fancy lighting, and into heavily regulated industries including aerospace, pharmaceutical/medical devices and energy. “Smartness” will embed itself within individual products that are part of our daily lives. We will engage with smart products - learning from them, informing them, and communicating with them. Smart produc...
As ridesharing competitors and enhanced services increase, notable changes are occurring in the transportation model. Despite the cost-effective means and flexibility of ridesharing, both drivers and users will need to be aware of the connected environment and how it will impact the ridesharing experience. In his session at @ThingsExpo, Timothy Evavold, Executive Director Automotive at Covisint, will discuss key challenges and solutions to powering a ride sharing and/or multimodal model in the a...
SYS-CON Events announced today that Coalfire will exhibit at the 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. Coalfire is the trusted leader in cybersecurity risk management and compliance services. Coalfire integrates advisory and technical assessments and recommendations to the corporate directors, executives, boards, and IT organizations for global brands and organizations in the technology, cloud, health...
In his session at 19th Cloud Expo, Claude Remillard, Principal Program Manager in Developer Division at Microsoft, will contrast how his team used config as code and immutable patterns for continuous delivery of microservices and apps to the cloud. He will show the immutable patterns helps developers do away with most of the complexity of config as code-enabling scenarios such as rollback, zero downtime upgrades with far greater simplicity. He will also have live demos of building immutable pipe...
Rapid innovation, changing business landscapes, and new IT demands force businesses to make changes quickly. In the eyes of many, containers are at the brink of becoming a pervasive technology in enterprise IT to accelerate application delivery. In this presentation, you'll learn about the: The transformation of IT to a DevOps, microservices, and container-based architecture What are containers and how DevOps practices can operate in a container-based environment A demonstration of how Docke...
A completely new computing platform is on the horizon. They’re called Microservers by some, ARM Servers by others, and sometimes even ARM-based Servers. No matter what you call them, Microservers will have a huge impact on the data center and on server computing in general. Although few people are familiar with Microservers today, their impact will be felt very soon. This is a new category of computing platform that is available today and is predicted to have triple-digit growth rates for some ...
As data explodes in quantity, importance and from new sources, the need for managing and protecting data residing across physical, virtual, and cloud environments grow with it. Managing data includes protecting it, indexing and classifying it for true, long-term management, compliance and E-Discovery. Commvault can ensure this with a single pane of glass solution – whether in a private cloud, a Service Provider delivered public cloud or a hybrid cloud environment – across the heterogeneous enter...
SYS-CON Events announced today that Transparent Cloud Computing (T-Cloud) Consortium will exhibit at the 19th International Cloud Expo®, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. The Transparent Cloud Computing Consortium (T-Cloud Consortium) will conduct research activities into changes in the computing model as a result of collaboration between "device" and "cloud" and the creation of new value and markets through organic data proces...
SYS-CON Events announced today that Cemware will exhibit at the 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. Use MATLAB functions by just visiting website mathfreeon.com. MATLAB compatible, freely usable, online platform services. As of October 2016, 80,000 users from 180 countries are enjoying our platform service.
Cognitive Computing is becoming the foundation for a new generation of solutions that have the potential to transform business. Unlike traditional approaches to building solutions, a cognitive computing approach allows the data to help determine the way applications are designed. This contrasts with conventional software development that begins with defining logic based on the current way a business operates. In her session at 18th Cloud Expo, Judith S. Hurwitz, President and CEO of Hurwitz & ...
Major trends and emerging technologies – from virtual reality and IoT, to Big Data and algorithms – are helping organizations innovate in the digital era. However, to create real business value, IT must think beyond the ‘what’ of digital transformation to the ‘how’ to harness emerging trends, innovation and disruption. Architecture is the key that underpins and ties all these efforts together. In the digital age, it’s important to invest in architecture, extend the enterprise footprint to the cl...
Governments around the world are adopting Safe Harbor privacy provisions to protect customer data from leaving sovereign territories. Increasingly, global companies are required to create new instances of their server clusters in multiple countries to keep abreast of these new Safe Harbor laws. Is it worth it? In his session at 19th Cloud Expo, Adam Rogers, Managing Director of Anexia, Inc., will discuss how to keep your data legal and still stay in business.