Affordable Care adult and child dental insurance are different

Under the health care law, dental insurance is treated differently for adults and children 18 and under. Here's the official guidelines for Marketplace plans . . .

• Dental coverage for children is an essential health benefit. This means if you’re getting coverage for someone 18 or younger, dental coverage must be available as part of a health plan or as a stand-alone plan. While it must be available to you, you don’t have to buy it.
• This is not the case for adults. Insurers don’t have to offer adult dental coverage.

Under the health care law, most people must have health coverage or pay a penalty of $325 per person and $162.50 per child or 2% of their income. But this is NOT true for dental coverage. You don’t need to have dental coverage, even for children, to avoid the penalty.

Time is quickly running out to get signed up for 2015 Affordable Care insurance. Contact me today and we will go over your options in detail. Call me at 440-255-5700.