Brushing up on how to use Marketplace dental insurance

When you enrolled in Marketplace coverage, you may have chosen a health plan that included dental coverage or purchased a separate, stand-alone dental plan.

Image: Woman using her Marketplace dental insurance

Here are some tips to make sure you’re getting the most out of your dental insurance.

Know what services your dental plan covers

  • Even though many dental insurance plans cover common dental benefits — like fillings, cleanings, care to fix decayed or fractured teeth, and dentures — different plans cover different services.
  • Some dental plans only cover children and others cover families.
  • Check with your dental insurance company to find out what’s exactly covered.

Understand your out-of-pocket costs

  • With a high coverage level, you’ll have higher premiums but lower copayments and deductibles. So you’ll pay more every month, but less when you use dental services.
  • With a low coverage level, you’ll pay less every month, but more when you get services.

Find a dentist that’s right for you

  • Not all types of providers take all insurance plans or types of coverage. Call the office before you go to make sure they accept your coverage.
  • When you make your appointment, have your insurance card or other documentation handy and know what services you want to get.

More advantages of having health insurance

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