Understanding the effects of the Affordable Care Act (ACA) is tough for experts, so we know it may seem confusing for a small group administrator looking for dental benefits for your employees. At Delta Dental, we've been closely monitoring any changes so you can be confident you're covered.
Delta Dental of Kansas (DDKS) offers Exchange-Certified Pediatric Oral Essential Health Benefit plans as addressed in the Affordable Care Act. There is no need to embed pediatric dental benefits in a medical plan.
Learn more about the Small Business Health Options Program (SHOP) and what plan options Delta Dental of Kansas provides:
View SHOP Plan Options
KEEPING DENTAL SEPARATEThis may or may not have been an intended consequence of the ACA, but the ACA is prompting many small business owners to ask, “Does dental have to be embedded in the medical plan?” “Can I keep my current dental plan?” “Am I required to purchase a Pediatric Oral Essential Health Benefit (POEHB) plan?”
DDKS has heard these questions and has taken steps to ensure we can continue to offer small businesses the dental benefits and value you want and need. The biggest misconception that exists is that small-business owners must include POEHB coverage with their medical plan. This simply is not the case! Small business owners can choose to either add exchange-certified POEHB coverage to their existing Delta Dental PPO or Premier Plan or may purchase a new exchange-certified policy that includes Basic or Preferred coverage for your employees, spouses, and children. While we believe small-business owners should continue to recognize the benefit of leaving dental coverage to the dental experts, if the choice is made to embed POEHB coverage within a medical plan, then DDKS is here to continue to offer the same customer service oriented, benefit-driven dental plans for employees, their spouses, and dependents over age 19.
DDKS has always offered easy-to-use, easy-to-implement, and easy-to-understand dental benefit plans that employers have come to trust. DDKS will continue to meet these expectations and continue to provide coverage that is affordable, transparent, and health-enhancing benefits for adults and children.
There are many compelling arguments for keeping a conventional group dental plan in place.
First and most importantly, the coverage is better. Medical plans may choose to utilize small dental networks, with high deductibles and out-of-pocket maximums, and only offer the minimum benefits. DDKS is committed to providing access to more providers, traditional deductibles with a new maximum out-of-pocket limitation for children, and the ability to offer the coverage that your employees have come to expect and want.
Second, if an employer chooses to only offer an embedded dental plan, a key component of coverage is lost. The POEHB plan only provides coverage up to age 19. Children’s oral health is vital, but adult oral health is equally important, especially for individuals who have periodontal disease or health conditions that benefit from regular, preventive oral health care. Given that, why would a small business owner put a plan in place that covers only the children of employees? What about the employees themselves?
For more than 40 years, Delta Dental of Kansas has been working to maintain healthy communities and healthy teeth. As Kansas’ only not-for-profit dental-benefits provider, we are proud to support important oral health causes statewide. Delta Dental of Kansas is here to help, with carefully designed products that make your benefit dollars go further and deliver the best-in-class service you’ve come to expect from Delta Dental.
You can continue to trust the Kansas dental plan that has advocated for oral health initiatives, and supported Kansas businesses and communities for more than 40 years.
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