- What are typical dental insurance costs in Nebraska?
- Stand-alone pediatric dental plans in Nebraska comply with the ACA’s pediatric dental coverage rules.
- In 2022, four insurers offer stand-alone dental plans in Nebraska’s marketplace.
- Off-exchange stand-alone dental plans are available in Nebraska.
- See how Medicaid and CHIP cover dental in Nebraska.
- Review our list of Nebraska dental resources.
Dental insurance in Nebraska
Nebraska 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 Nebraska 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 Nebraska?
For adults who purchase their own stand-alone or family dental coverage through the exchange, premiums range from $34 to $77 per month.
IHC Specialty Benefits reports that the average monthly premium for a stand-alone family dental plan sold in Nebraska over a two-year period (2020-2021) was $47.74. (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 Nebraska
The stand-alone pediatric dental plans available in Nebraska 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 Nebraska benchmark plan includes coverage for both basic and major dental services for children.
Four insurers offer stand-alone dental plans through the Nebraska exchange
In 2022, four insurers offer stand-alone individual/family dental coverage through the health insurance marketplace in Nebraska. These are dental plans that are not included with a medical plan and must be purchased separately:
- BEST Life
- Delta Dental of Nebraska
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 Nebraska’s exchange?
There are also a variety of dental insurers that sell stand-alone dental plans directly to consumers in Nebraska. These plans are not subject to the ACA’s essential health benefit rules for pediatric dental coverage, but they are regulated by the Nebraska 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 state you are looking to buy a plan in.
Medicaid/CHIP dental coverage in Nebraska
Adults enrolled in Medicaid in Nebraska are eligible for limited dental services with an annual cap of $750. Children are also eligible for dental benefits through Nebraska Medicaid.
Dental resources in Nebraska
- Nebraska Dental Association
- Low-fee dental clinics in Nebraska
- ACCESSNebraska (Medicaid)