How will the ACA affect Health Insurance Exchanges?
must be established to begin enrolling beneficiaries in Pennsylvania by
October 2013. The exchange will initially be limited to individuals and
small businesses, allowing the purchasers to select from various private
health care plans. People with incomes between 100 and 400 percent of
the FPL are eligible to receive federally subsidized coverage through
Stand-alone dental plans must offer the pediatric oral essential health benefit without annual and lifetime limits. This is to ensure consistent level of consumer protections. These stand-alone dental plans will also likely have to adhere to certain marketing regulations, ensure a sufficient choice of providers and possibly meet performance quality requirements. Dental plans may also be required to use a single enrollment form and a standard format for presenting options under health benefit plans.
At the national level, an estimated three million children will gain dental benefits through the health insurance exchanges by 2018, which is an estimated five percent increase over the current number of children with private dental benefits. Children will also gain dental benefits outside the health insurance exchanges through employer-sponsored dental benefits with dependent coverage, in addition to other insurance options. The impact of exchanges on dentistry could be greater if the ACA-required essential pediatric dental benefit is inadequate or too costly, or if plans with inadequate dental networks comprise a large part of the exchange marketplace.
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