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Much of the conversation about the ACA focuses on health insurance, but pediatric dental is part of the equation, too. Health benefits offered by small businesses (50 or fewer employees) must include the pediatric dental essential health benefit, either embedded in the medical plan or in stand-alone dental. As employers seek solutions that balance what they need with what they want, they continue turning to brokers for assistance, says Warrington.
Strategy No. 1: Optimal choice in coverage
Select a medical plan with the embedded pediatric dental EHB, alongside a traditional, stand-alone full family dental plan. This strategy provides optimal choice in dental coverage for individuals of all ages, explains Warrington. It may create some overlap in services offered for the pediatric population, but it also offers several advantages, including full family dental coverage, continued access to the existing dental provider network, assurance of ACA pediatric dental EHB compliance, and more.