Does Health Reform Smile Upon Dental Benefits?

Does Health Reform Smile Upon Dental Benefits?

In our continuing review of the new Health Reform Laws, we are continuing to dissect the provisions of the law.  The law was intended to provide coverage to the currently uninsured and underinsured regarding medical coverage.  There has been little interest regarding the impact on dental care, specifically individual and group dental benefit plans.

The health reform law includes a mandatory requirement for oral health care benefits for children under the age of 21, referred to as the pediatric dental benefit.   Unfortunately, the health reform law does NOT include the elimination of annual and lifetime maximums and expansion of dependent child definition to age 26 as mandated for medical plans.

So for those with a stand-alone dental plan, it looks the health reform plan is, in effect, toothless.