- What are typical dental insurance costs in Kansas?
- Pediatric dental insurance options in Kansas comply with the ACA’s pediatric dental coverage rules.
- In 2022, five insurers offer dental plans in Kansas’ marketplace.
- Off-exchange stand-alone dental plans are available in Kansas.
- See how Medicaid and CHIP cover dental in Kansas.
- Review our list of Kansas dental resources.
Dental insurance in Kansas
Kansas 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 Kansas 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 Kansas?
For adults who purchase their own stand-alone or family dental coverage through the exchange, premiums range from $39 to $80 per month.
IHC Specialty Benefits reports that the average monthly premium for a stand-alone family dental plan sold in Kansas over a two-year period (2020-2021) was $41.72. (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 Kansas
The pediatric stand-alone dental plans available on the Kansas 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.
You can see details here for Kansas’s benchmark plan, which does include coverage for both basic and major dental services for children.
Five insurers offer stand-alone dental plans through the Kansas exchange
In 2022, five insurers offer stand-alone individual/family dental coverage through the health insurance marketplace in Kansas. These are dental plans that are not included with a medical plan and must be purchased separately:
- BEST Life
- Truassure Insurance
- Renaissance Dental
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 Kansas’s exchange?
There are also many dental insurers that will sell stand-alone dental plans directly to consumers in the Sunflower State. These plans will not be subject to the ACA’s essential health benefit rules for pediatric dental coverage, but they are regulated by the Kansas Insurance Department. 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 Kansas. It’s important to recognize that dental discount plans are not insurance, but they 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 locate the plans available in your area, search online for dental discount plans and the state of Kansas.
Medicaid/CHIP dental coverage in Kansas
Adults enrolled in Medicaid in Kansas are eligible for limited preventive dental services. Children can receive more robust benefits if eligible.