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Alabama dental insurance guide 2022

Alabama dental insurance guide 2022

Alabama's health insurance marketplace has certified individual and family dental plans from eight insurers

Dental insurance in Alabama

Alabama uses the federally facilitated health insurance marketplace HealthCare.gov for the sale of certified individual/family dental plans.

Not all insurers that offer medical plans through the Alabama exchange include pediatric or adult dental coverage with their health plans, but stand-alone plans are available for purchase.

How much does dental insurance cost in Alabama?

For adults who purchase their own stand-alone dental coverage through the exchange, premiums range from $30 to $70 per month.

IHC Specialty Benefits reports that the average monthly premium for a stand-alone family dental plan sold in Alabama over a two-year period (2020-2021) was $38.10. (Typical family size was 1.2 to 1.4 persons.)

If a family is purchasing coverage through the health insurance exchange, the premiums associated with pediatric dental coverage may or may not be offset by premium tax credits (premium subsidies). Here’s more about how that works, depending on whether the health plan has integrated pediatric dental benefits.

Pediatric dental benefits in Alabama

All stand-alone pediatric dental plans available on the Alabama exchange will comply with the ACA’s pediatric dental coverage rules. This means out-of-pocket costs for pediatric dental care will not exceed $375 per child in 2022 (or $750 for all the children on a family’s plan), and there is no cap on medically-necessary pediatric dental benefits.

As is the case for all essential health benefits, the specific coverage requirements for pediatric dental care are guided by the state’s essential health benefits benchmark plan.

Alabama’s benchmark plan includes coverage for both basic and major dental services for children.

Eight insurers offer stand-alone dental plans through the Alabama exchange

In 2022, there are eight insurers that offer stand-alone individual/family dental coverage through the health insurance marketplace, with coverage available for both adult and pediatric dental services. These are dental plans that are not included with a medical plan and must be purchased separately:

  • Truassure Insurance Company
  • Delta Dental
  • Renaissance Dental
  • BCBS of Alabama
  • Humana
  • BEST Life
  • DentaTrust
  • Guardian

These plans can be purchased through HealthCare.gov during open enrollment (November 1 to January 15) or during a special enrollment period triggered by a qualifying life event. Exchange-certified stand-alone dental plans are compliant with the ACA’s rules for pediatric dental coverage.

Can I buy dental insurance outside of Alabama’s exchange?

There are also a variety of dental insurers that sell stand-alone dental plans directly to consumers in Alabama. These plans are not subject to the ACA’s essential health benefit rules for pediatric dental coverage, but they are regulated by the Alabama Department of Insurance. If you would like to purchase a non-ACA qualified dental plan, ask a dentist for recommendations or search online.

There are also various dental discount plans available in every state. Dental discount plans are not insurance, but can offer discounted rates at participating dentists. Here’s what you need to know about the differences between dental insurance and dental discount plans.

To find plans in your area, search online for dental discount plans and the state you are looking to buy a plan in.

Medicaid/CHIP dental coverage in Alabama

For adults enrolled in Medicaid in Alabama, there is no dental coverage provided for any level of care. For fully eligible children (up to age 21), Medicaid in Alabama does provide routine preventive and restorative services.

For children in Alabama, there is ALL Kids (which is Alabama’s CHIP), a program which provides coverage to children and pregnant women with income above the eligibility limits for Medicaid. ALL Kids enrollees are able to receive up to $1,500 in covered dental benefits per year.

Dental resources in Alabama

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If you're an adult who bought a dental insurance plan, your out-of-pocket costs will depend entirely on the amount of dental care you need during the year. But for children, ...
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Other types of coverage

Individual and Family
Short-term
Medicaid
Medicare

Alabama health insurance marketplace guide 2022

Bright Health, Blue Cross Blue Shield of Alabama, and UnitedHealthcare offer plans in the exchange (Bright's plans are only available in the Birmingham area; UHC's plans are only available in the Mobile, Dothan, and Huntsville areas). UnitedHealthcare rejoined the exchange as of the 2022 plan year. BCBSAL implemented an average rate increase of 7%, while Bright implemented an average rate decrease of 15%. Subsidies are larger and more widely available due to the American Rescue Plan.

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Alabama health insurance marketplace guide 2022

Short-term health insurance in Alabama

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Short-term health insurance in Alabama

Alabama and the ACA’s Medicaid expansion

Alabama had proposed a strict Medicaid work requirement waiver, but withdrew it in early 2021, when it was still pending federal approval. Alabama has among the nation's strictest eligibility rules for Medicaid, but enrollment has still increased by 27% since 2013.

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Alabama and the ACA’s Medicaid expansion

Medicare in Alabama

For all information on Medicare in Alabama, healthinsurance.org has you covered. Get all the resources you need to make an informed decision.

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Medicare in Alabama

Learn about health insurance coverage options in your state.

Our state guides offer up-to-date information about ACA-compliant individual and family plans and marketplace enrollment; Medicaid expansion status and Medicaid eligibility; short-term health insurance regulations and short-term plan availability; and Medicare plan options.