How Do You Apply for a Dental Insurance Plan?


Quick Answer

To apply for dental insurance, go to the dental coverage marketplace at HealthCare.gov, or visit a website that offers a wide range of private dental insurance plans. The federal marketplace has add-on and standalone dental plans, according to HealthCare.gov.

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Full Answer

Applying for dental insurance through the federal marketplace can be done during the open enrollment period, and you must complete the application process to access dental plans. Additionally, you must enroll in a federal marketplace health care plan at the same time you enroll in a dental plan, states HealthCare.gov. Some marketplace health plans include dental coverage, and monthly premiums apply to health and dental services. If a health plan you want does not include dental insurance, you can select a standalone dental plan, which you pay for separately. Dental insurance for children under age 18 must be included in all health care plans.

Websites such as eHealthInsurance.com provide consumers with listings of dental plans based on zip code location. You can find managed-care and indemnity dental plans and choose the best option. A preferred provider organization plan is commonly referred to as a managed-care plan, and this type of plan offers services through a network of member dentists, explains eHealthInsurance Services. Managed-care dental plans tend to have cheaper out-of-pocket costs than indemnity plans.

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