Dental Coverage for Families in Dupage County
DuPage County is one of the most affluent suburban counties in the Midwest, with a large population of corporate executives, small-business owners, and remote tech workers west of Chicago who often buy dental and vision coverage on their own.
For a family, the rules differ for the kids and the parents. Under the ACA, dental care is an essential health benefit for children but not for adults. Whatever health plan you pick through Get Covered Illinois, adult dental coverage is a separate decision in Dupage County.
What Family Dental Plans Cover in Dupage County
Under a family dental plan, each person’s claims count against their own deductible until the family cap is reached ($50 per person and $150 per family on SecureDental PLUS), and preventive care generally skips the deductible.
If braces are likely, read the orthodontia terms first: plenty of dental plans leave them out, and SecureDental PLUS limits them to the Premium tier, paying 70% after 12 months up to $500 a year and $1,500 over a lifetime.
Enrolling Your Family in Dental Coverage in Illinois
Get Covered Illinois, the state-run exchange in Illinois, sells dental plans alongside its health plans during enrollment periods, and its rules decide whether dental can be added on its own. Off the Marketplace, a stand-alone dental plan isn’t tied to Open Enrollment at all. Use the ZIP code form below and Daniel will send you the dental options for your address.
Check waiting periods before you buy. HealthCare.gov notes that separate dental plans can have waiting periods before they cover services for adults; on SecureDental PLUS, basic care waits 1 month and major care and orthodontia 12 months, while cleanings have no wait.
Know where the line sits: a dental plan covers care in a dentist’s chair, while an emergency department visit for a dental abscess or a jaw injury is a health insurance claim. Medicare’s hospital directory lists 6 hospitals with emergency services in Dupage County, including Advocate Good Samaritan Hospital, Edward Hospital, Elmhurst Memorial Hospital and 3 others.
A stand-alone dental plan is an excepted benefit: it isn’t minimum essential coverage and doesn’t replace health insurance.
Call (713) 575-9904 to compare family dental plans for your address in Dupage County, with the network checked before you apply.