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Missouri dental insurance guide 2022

Missouri dental insurance guide 2022

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

Dental insurance in Missouri

Missouri 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 Missouri 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 Missouri?

For adults who purchase their own stand-alone or family dental coverage through the exchange, premiums range from $49 to $108 per month.

IHC Specialty Benefits reports that the average monthly premium for a stand-alone family dental plan sold in Missouri over a two-year period (2020-2021) was $44.35. (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 Missouri

The stand-alone pediatric dental plans available in Missouri 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.

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

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

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

  • Anthem BCBS
  • BEST Life
  • DentaQuest
  • DentaTrust / DentaSpan
  • Truassure Insurance
  • 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 Missouri’s exchange?

There are also a variety of dental insurers that sell stand-alone dental plans directly to consumers in Missouri. These plans are not subject to the ACA’s essential health benefit rules for pediatric dental coverage, but they are regulated by the Missouri 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. 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 name of your state.

Medicaid/CHIP dental coverage in Missouri

Missouri recently expanded the dental services available to adults enrolled in Medicaid, although there may be limitations for adults who are not in certain assistance categories. Children can receive comprehensive dental benefits if Medicaid eligible.

MO HealthNet administers Missouri’s CHIP, which provides dental coverage to uninsured children and pregnant women with with income above the eligibility limits for Medicaid.

Dental resources in Missouri

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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.
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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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