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New Hampshire dental insurance guide 2022

New Hampshire dental insurance guide 2022

New Hampshire's health insurance marketplace has certified individual and family dental plans from three insurers

Dental insurance in New Hampshire

New Hampshire uses the federally facilitated health insurance marketplace for the sale of certified individual/family dental plans.

Not all insurers that offer medical plans through the New Hampshire 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 New Hampshire?

For adults who purchase their own stand-alone or family dental coverage through the exchange, premiums range from $42 to $97 per month.

IHC Specialty Benefits reports that the average monthly premium for a stand-alone family dental plan sold in New Hampshire over a two-year period (2020-2021) was $40.59. (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 New Hampshire

The stand-alone pediatric dental plans available in New Hampshire 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 New Hampshire benchmark plan includes coverage for both basic and major dental services for children.

Three insurers offer stand-alone dental plans through the New Hampshire exchange

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

  • Anthem BCBS
  • Renaissance Dental
  • Northeast Delta Dental

This coverage can be purchased through 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 New Hampshire’s exchange?

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

Adults enrolled in Medicaid in New Hampshire are currently eligible for emergency dental services only, such as treatment for extreme pain or infections. The state has recently voted to remove the dental prohibition for adults in Medicaid, but has yet to establish what expanded benefits would consist of. Children are eligible for dental benefits through New Hampshire Smiles, which connects them to dental services through Medicaid enrollment.

The New Hampshire CHIP also provides dental coverage to uninsured children up to 19 years of age and pregnant women with income above the eligibility limits for Medicaid.

Dental resources in New Hampshire

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