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Delta Dental Insurance - Health Care Exchange (Marketplace) for Brokers

Health Care Exchange (Marketplace) for brokers

Family dental plans that meet the Affordable Care Act's (ACA) required essential health benefits (EHBs) for pediatric dental care.

Your clients have options with Delta Dental

Delta Dental can give you the tools to help your clients make confident and responsible decisions when it comes to their dental benefits package. Clients can choose to:

  • Purchase a stand-alone, ACA-compliant¹ Delta Dental family dental plan within many state exchanges
  • Keep their traditional Delta Dental plan and add a stand-alone, ACA-compliant family dental plan. 

Inside many state exchanges, Delta Dental offers several ACA-compliant plan options. Outside state exchanges, most states will allow insurers like Delta Dental to offer stand-alone pediatric dental plans that meet the ACA requirements when coupled with an ACA-compliant medical policy. 

Check enrollment

Plan brochures

Do you have everything you need to sell plans during open enrollment? Give your clients the details on how the plans work and what they cover. Share these state- and plan-specific brochures.

Health Care Exchange (Marketplace) plans for individuals

Share this page with clients who want to learn more about how the Marketplace works, check their enrollment status or manage their plan. 

Helping your clients choose a plan

Choosing only an embedded plan — a medical plan that includes the EHB pediatric oral care requirement — may appear to be an easy way to meet the ACA requirement; however:

  • The dental portion won’t cover adults or children age 19 and over
  • Dental expenses may not be covered until a combined medical/dental deductible is met, which can be as high as $2,000 per person annually.
  • Members may have to change dentists to obtain services.

Bundled medical/dental plans — separate dental and medical policies sold together to meet ACA requirements — may offer the same advantages as a separate stand-alone dental plan, such as a lower deductible and out-of-pocket maximum for dental, as well as dental coverage for children.

Many medical insurers embed a pediatric EHB benefit in their policies. However, your clients can usually request that a medical insurer accept reasonable assurance² to allow them to purchase a stand-alone, ACA-compliant dental plan. Usually, stand alone dental plans will have lower deductibles and out-of-pocket maximums, than embedded plans, allowing dental members to benefit from coverage sooner than with embedded (integrated) coverage.

To market plans offered on state exchanges:

  • Most states allow brokers to assist their clients in purchasing exchange-certified, stand-alone dental plans.
  • Visit healthcare.gov to find the marketplace for your state.

To market plans offered outside state exchanges:

  • In some states, Delta Dental sells EHB plans through a network of medical partners. To learn more about these plans, contact your Delta Dental account executive.
  • Your group clients can purchase plans through our Small Business Program or our medical partners.

Get appointed to begin

Start marketing plans on the Health Care Exchange (Marketplace) with a Delta Dental account. Make sure you are state certified to ensure you receive commission. 

Need more support?

Contact Producer Services with questions about commission or appointments.

producerservices@delta.org
866-760-4080
8 a.m. - 7 p.m. ET M - F

  1. ACA-compliant health plans include the required 10 essential health benefits (EHBs), one of which is pediatric oral care to age 19. Check with a Delta Dental sales representative about your state's requirements.
  2. Reasonable assurance is a declaration from a health policy purchaser to a policy insurer that verifies that the purchaser either has or will obtain an exchange-certified, pediatric stand-alone plan. There may be great variation in what state regulators will accept as reasonable assurance, and some states may not accept reasonable assurance at all.