- What are typical dental insurance costs in Montana?
- Stand-alone pediatric dental plans in Montana comply with the ACA’s pediatric dental coverage rules.
- In 2022, four insurers offer stand-alone dental plans in Montana’s marketplace.
- Off-exchange stand-alone dental plans are available in Montana.
- See how Medicaid and CHIP cover dental in Montana.
- Review our list of Montana dental resources.
Dental insurance in Montana
Montana 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 Montana 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 Montana?
For adults who purchase their own stand-alone or family dental coverage through the exchange, premiums range from $47 to $92 per month.
IHC Specialty Benefits reports that the average monthly premium for a stand-alone family dental plan sold in Montana 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 Montana
The stand-alone pediatric dental plans available in Montana 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.
The Montana benchmark plan includes coverage for both basic and major dental services for children.
Four insurers offer stand-alone dental plans through the Montana exchange
In 2022, four insurers offers stand-alone individual/family dental coverage through the health insurance marketplace in Montana. These are dental plans that are not included with a medical plan and must be purchased separately:
- BEST Life
- BCBS Montana
- Delta Dental
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 Montana’s exchange?
There are also a variety of dental insurers that sell stand-alone dental plans directly to consumers in Montana. These plans are not subject to the ACA’s essential health benefit rules for pediatric dental coverage, but they are regulated by the Montana 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.
Medicaid/CHIP dental coverage in Montana
Adults enrolled in Medicaid in Montana are eligible for extensive dental services up to an annual limit of $1,125 (anesthesia, dentures, diagnostic and preventative services do not count towards the annual cap). Children eligible for Medicaid also receive extensive dental benefits including bridges, crowns and dentures.
Dental resources in Montana
- Montana Dental Association
- Low-fee dental clinics in Montana
- Montana Healthcare Programs