Dental Coverage for Families in Loudoun County
Loudoun County anchors the world's largest concentration of data centers in Ashburn's 'Data Center Alley,' alongside Dulles Airport's tech corridor — one of the nation's fastest-growing and highest-income counties, where many tech workers and entrepreneurs buy dental and vision coverage on their own.
For a family, the rules differ for the kids and the parents. Adult dental care isn’t an essential health benefit under the ACA, so a health plan in Virginia doesn’t have to include it. Whatever health plan you pick through Virginia’s Insurance Marketplace, adult dental coverage is a separate decision in Loudoun County.
What Family Dental Plans Cover in Loudoun 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 Virginia
In Virginia the Marketplace is Virginia’s Insurance Marketplace, which offers dental plans next to its health plans during Open Enrollment and special enrollment periods. Off the Marketplace, a stand-alone dental plan isn’t tied to Open Enrollment at all. Enter your ZIP code in the form below and Daniel will send you the dental plans available where you live.
If you already need a crown, the waiting period matters more than the premium. HealthCare.gov notes that separate dental plans can have waiting periods for adults, and SecureDental PLUS, for example, waits 12 months for major care and 1 month for basic care.
Serious dental emergencies, such as spreading infection or a broken jaw, are usually treated in a hospital and billed to health insurance rather than the dental plan. In Loudoun County, Medicare’s hospital directory shows two hospitals with emergency departments, among them Inova Loudoun Hospital and Stonesprings Hospital Center.
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 Loudoun County, with the network checked before you apply.