As the dust continues to settle from the first round of Affordable Care Act sign-ups, nuanced compliance issues may start to bubble up that brokers should not only be aware of, but may be able to help carriers and employers fix before next years open enrollment begins.
One of those matters involves the pediatric dental requirement in the ACA, which says that medical plans on the exchanges and also off the exchanges for individuals and small businesses must include this benefit in order to be deemed fit for sale to Americans. What this regulation didnt factor in is that many small business employers already provide dental benefits for entire families including children, oftentimes through a dental carrier separate from the medical plan offered.
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