Health Care Exchange (Marketplace) for Large Business

When it comes to the Health Care Exchange (Marketplace) and dental coverage, we're experienced, knowledgeable and proactive. We'll keep you on track with Affordable Care Act (ACA) information and dental plans that fit your needs to ensure a healthy workforce.

Lo que debe saber

Under the ACA, dental plans provided by large employers (those with 51+ employees in most states) under a separate "risk contract" and/or provided under self-funded arrangements with a separate administrative arrangement from the medical plan (that render such plans "non-integral" to the medical policy) are considered "excepted" benefit coverage. With excepted benefit coverage, the dental plan provisions are not subject to ACA market reforms. In general, most large employers won't need to make any changes to existing Delta Dental plans.

However, states may impose different regulations (within ACA guidelines) for excepted benefit coverage. Por ejemplo, California exige que todos los planes dentales para niños extiendan la cobertura hasta la edad de 26 (lo que concuerda con el requisito de edad del plan médico según la ACA). En la mayoría de los estados, los grandes empleadores pueden elegir si incluir esta disposición en su plan dental para que concuerde mejor con la cláusula de cobertura médica que exige la ACA.

Contacte a su agente de seguros, consultor o representante de la oficina de ventas de Delta Dental para obtener más información sobre los requisitos de su estado y las opciones de planes dentales según la ACA.