Online Insurance Outfit: Dental savings Plans Can Fill ACA Gap

NJ Spotlight News | February 14, 2014 | Affordable Care Act

Sweeping changes in the nation’s healthcare system under the Affordable Care Act are affecting how people are covered for dental care, according to the National Association of Dental Plans.

For example, while the ACA defines dental services as an Essential Health Benefit (EHB) for children, this does not mean that dental care will automatically be a part of a family’s insurance plan. Likewise, while dental coverage is available from some insurers in the ACA marketplace, it cannot be purchased separately as stand-alone coverage.

Dental savings plans, similar to a warehouse club, provides dental services for one annual fee, according to, which sells such coverage. Members can get 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.