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Mississippi dental insurance guide 2023

Mississippi dental insurance guide 2023

Mississippi's health insurance marketplace has certified individual and family dental plans from five insurers

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

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

Frequently asked questions about dental coverage in Mississippi

How much does dental insurance cost in Mississippi?

For adults who purchase their own stand-alone or family dental coverage through the exchange, premiums range from $30 to $76 per month.

IHC Specialty Benefits reports that the average monthly premium for a stand-alone family dental plan sold in Mississippi in 2022 was $43.02.

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.

Are stand-alone pediatric dental plans on the exchange ACA-compliant?

The stand-alone pediatric dental plans available in Mississippi 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 2023 (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.

The Mississippi benchmark plan includes coverage for both basic and major dental services for children.

Which insurers offer dental coverage through the Mississippi marketplace?

In 2023, five insurers offer stand-alone individual/family dental coverage through the health insurance marketplace in Mississippi. These are dental plans that are not included with a medical plan and must be purchased separately:

  • BEST Life
  • Delta Dental PPO
  • Humana
  • Renaissance Dental
  • Guardian

This coverage 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 Mississippi's exchange?

There are also a variety of dental insurers that sell stand-alone dental plans directly to consumers in Mississippi. These plans are not subject to the ACA’s essential health benefit rules for pediatric dental coverage, but they are regulated by the Mississippi 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 every state. Dental discount plans are not insurance, but can offer discounted rates at participating dentists. Learn 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.

How does Mississippi Medicaid and CHIP provide dental coverage?

Adults enrolled in Medicaid in Mississippi are eligible for limited dental services such as dental extractions and their related treatment. Children can receive more robust benefits if eligible.

For children up to age 19, there is Mississippi’s CHIP, which provides dental coverage to uninsured children and pregnant women with income above the eligibility limits for Medicaid.

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 ...

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Mississippi health insurance marketplace guide 2023

Mississippi uses the federally run health insurance exchange, so residents who buy their own health insurance enroll through Healthcare.gov. Molina and Ambetter/Magnolia both offer plans statewide as of 2021, and two additional insurers have joined the exchange for 2022: Cigna and Vantage Health Plan of Mississippi. Mississippi has the nation's highest percentage of enrollees qualifying for both premium subsidies and cost-sharing reductions.

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

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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.