Definition
Dental Only insurance refers to a type of coverage exclusively for dental care and treatments. This coverage can be provided as:
- Stand-alone policies: Separate plans exclusively covering dental care.
- Riders to medical policies: Added, or supplementary, coverage to an existing medical insurance plan.
Key Features
- Independent Deductibles & Limits: When dental coverage is included as a rider, the deductibles or maximum out-of-pocket limits are typically distinct and separate from those of the medical coverage. This separation ensures that the limits applicable to medical services do not affect dental coverage limits.
Exclusions
Dental Only insurance policies generally do not cover individuals under self-insured plans or participants of certain federal programs such as:
- Federal Employees Health Benefits Program (FEHBP)
- Medicare
- Medicaid
Regulatory Overview
Policies for dental insurance, including limitations and requirements, may be influenced by regional healthcare regulations and federal laws depending on the region. Information can typically be found through local insurance regulatory bodies.
Further Reading
- Check your local state insurance department for details specific to your region or consult recent updates related to healthcare services and insurance coverage under federal programs.
- Familiarize yourself with changes in healthcare laws that may affect insurance by regularly visiting U.S. Centers for Medicare & Medicaid Services (CMS).
