Find a plan.
Delaware dental insurance guide 2022

Delaware dental insurance guide 2022

Delaware's health insurance marketplace has certified individual and family dental plans from two insurers

Dental insurance in Delaware

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

Not all insurers who offer medical plans through the Delaware exchange include dental coverage with their health plans, but stand-alone dental plans are available for purchase that cover both adults and children.

How much does dental insurance cost in Delaware?

For adults who purchase their own or family stand-alone dental coverage through the Delaware exchange, premiums range from $37 to $83 per month.

IHC Specialty Benefits reports that the average monthly premium for a stand-alone family dental plan sold in Wyoming over a two-year period (2020-2021) was $41.56. (Typical family size was 1.2 to 1.4 persons.)

If your family is purchasing coverage through the Delaware exchange, the premiums connected with pediatric dental coverage may not be offset by premium tax credits (premium subsidies). Here’s more about how that works, and how it relates to whether the health policy includes integrated pediatric dental benefits.

Pediatric dental benefits in Delaware

All stand-alone pediatric dental plans in Delaware comply with the ACA’s pediatric dental coverage rules. This means out-of-pocket costs for pediatric dental care will not go over $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 Delaware’s essential health benefits benchmark plan.

You can see details here for Delaware’s benchmark plan, which does include coverage for both basic and major dental services for children.

Two insurers offer stand-alone dental plans through the Delaware exchange

In 2022, two insurers offer stand-alone individual/family dental coverage through the health insurance marketplace in Delaware. These are dental plans that are not included with a medical plan and must be purchased separately:

  • Dominion National
  • Delta Dental PPO

These plans can be purchased through Choose Health Delaware 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 Delaware’s exchange?

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

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

To find these plans where you live, search online for dental discount plans and Delaware.

Medicaid/CHIP dental coverage in Delaware

Adults enrolled in Delaware Medicaid are eligible to receive basic dental services up to $1,000 a calendar year, with $1,500 available (prior authorization required) for emergency care as an extended benefit. Children (up to age 20) enrolled in Delaware Medicaid are eligible for comprehensive dental services such as preventive, restorative care and braces.

Delaware Healthy Children Program (DHCP) , Delaware’s CHIP, provides comprehensive dental coverage to the state’s uninsured children under the age of 19.

Dental resources in Delaware

Related articles

Here's what you need to know when you're shopping for adult dental coverage through a state health insurance marketplace or directly from a dental plan carrier.
There is no penalty for not having pediatric dental on your policy – and in most exchanges, you can purchase a plan without pediatric dental. But off-exchange, carriers are required ...
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, ...
For those who purchase their own insurance, the decision to purchase dental coverage is not always as clear-cut as the decision to purchase health insurance.
Pediatric dental is one of the essential health benefits, although it’s a bit more complicated than the other nine. Some medical policies have pediatric dental embedded in the plan, and ...
Dental insurance and dental discount plans can both be useful in terms of reducing your total dental costs, but they vary significantly in terms of the benefits you get and ...

Other types of coverage

Individual and Family
Short-term
Medicaid
Medicare

Delaware health insurance marketplace 2022 guide

Highmark continues to be the only insurer in the Delaware exchange for 2022. Average rates decreased by 19% in 2020 as a result of the state's new reinsurance program, and decreased slightly in 2021, although they've increased by about 3% for 2022.

Compare plans!
Delaware health insurance marketplace 2022 guide

Short-term health insurance in Delaware

Check short-term health insurance plan availability in Delaware and shop for coverage. Learn about state regulations regarding short-term plan duration and renewal.

View plan availability in your state.
Short-term health insurance in Delaware

Delaware and the ACA’s Medicaid expansion

Delaware has repeatedly expanded Medicaid eligibility since implementing the original program in the 1960s. Most recently, enrollment in the program has grown by over 55,000 people as a result of Medicaid expansion under the ACA.

See if you're eligible.
Delaware and the ACA’s Medicaid expansion

Medicare in Delaware

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

Compare plans!
Medicare in Delaware

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.