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I can�t afford the cost of a stand-alone dental plan in addition to buying major medical health insurance. will i owe a penalty for not having minimum essential coverage if i don�t buy the separate dental plan? written by hummingbirdinsadmin on december 17, 2018. posted in frequently asked questions.. But pediatric dental benefits within a medical plan do not match or replace comprehensive stand-alone dental benefits: orthodontia coverage is medically necessary only, not cosmetic. benefits for pediatric dental services may not be paid until the medical deductible is satisfied. smaller dental provider networks offer fewer dentists for members.. Stand-alone pediatric dental: a separate plan has to be purchased, in addition to the family�s medical coverage. premium subsidies cannot be used to cover any portion of the stand-alone dental plan premium..

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Bundled dental and medical coverages means the policies are sold together, but are still separate policies. the dental coverage could be administered by the medical insurance carrier or by a separate, stand-alone dental carrier like us.. Group major medical health plans and stand-alone dental plans (sadps). 1. the timeline for filing plans and rates for plan year 2019 is the same for qualified health plan issuers (qhp issuers) and issuers that have no qhps (non-qhp issuers).. Securing dental coverage. in the health insurance marketplace, you can get dental coverage as part of a medical plan (and pay one premium) or by itself through a separate, stand-alone dental plan (and pay an additional premium). in some states, such as california, all medical plans include pediatric dental benefits..

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