Dental Insurance and Individual Health Plans

Individual health plans which also include dental care can rarely be identified and purchased. Especially if they consider purchasing the policies separately, there is valuable information that people should know.Browse this site listing about The Benefits Group, Rochester Hills.

It is estimated that approximately 45 million Americans do not actually hold any dental insurance policy. Dental insurance policies are still owned by most non-elderly residents who own individual health plans. Nevertheless, most persons who purchase health care policies on their own do not have dental insurance. According to a study published by the Centers for Disease Control and Prevention, this data is available.

Although some supplementary facilities, such as routine emergency treatment as well as prescription drug expenses, are provided by individual insurance plans, they are logically not expected to provide coverage for adult oral care. However, dental services are required for health care insurance plans for kids.

In March 2010, health care changes were put in effect. Despite the pressure exercised by many advocates, however, the bill did not include a broader dental portion. Supporters and supporters of the law claimed that with other pressing health issues such as diabetes and heart disorders, individual health plans already cover expenses.

Out of 172 million Americans under the age of 65, about 75 percent (who own private health insurance policies) also have dental insurance plans. Their employers have health insurance most of the time. More than a million of those with separate dental coverage have comprehensive dental insurance policies, while a quarter have stand-alone plans. Several have both.

Via Medicaid and Medicare, nearly 90 million American citizens own individual health insurance, which both do not provide adult dental care plans. No statistics relating to public health insurance programs are available. Medicaid shoulders dental treatment for those under 21 years old. Up to 45 million people belonging to the low-income community are currently served by an insurer. Such patients, however, complain of difficulty locating licensed dentists.

Dental treatment is given, though limited, by a separate government-sponsored program. It is the Health Care Policy for Children. As for the elderly, they should still opt for health insurers to buy different dental care plans.

Contact Info

The Benefits Group
2550 S Rochester Rd, Rochester Hills, MI 48307
248.299.7000