Health Care Reform Overview

Pediatric dental embedded in health plan:

• Behind the health deductible (skinny) – Health deductible must be satisfied before pediatric dental services will be covered. Low-cost solution that allows the employer to meet the EHB benchmark requirements while managing their health costs.
• Preventive in front of the health deductible, Basic and Major behind the health deductible – Preventive pediatric dental benefits aren’t subject to the health deductible, but Basic and Major services are and won’t be covered until the health deductible is satisfied. This mid-cost solution allows the employer to meet the EHB benchmark requirements while managing their health costs. The offering helps encourage use of pediatric preventive services.
• Preventive, Basic and Major in front of the health deductible (rich) – Dental deductibles are separate of the health plan. The member needs to satisfy only the dental deductible (if any) for dental benefits to be covered. This is a high cost solution.

Traditional Dental to insure no gap in coverage or large out-of-pocket cost for children.


Traditional Dental to minimize large out-of-pocket cost for basic and major services for children.








Dental that excludes coverage for children under age 19.