- What are typical dental insurance costs in New Mexico?
- Stand-alone pediatric dental plans in New Mexico comply with the ACA’s pediatric dental coverage rules.
- In 2022, two insurers offer stand-alone dental plans in New Mexico’s marketplace.
- Off-exchange stand-alone dental plans are available in New Mexico.
- See how Medicaid and CHIP cover dental in New Mexico.
- Review our list of New Mexico dental resources.
Dental insurance in New Mexico
New Mexico uses a state-run exchange named BeWellNM for enrollment in certified individual/family dental plans.
Not all insurers that offer medical plans through the New Mexico 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 Mexico?
For adults who purchase their own stand-alone or family dental coverage through BeWellNM, premiums range from $34 to $79 per month.
IHC Specialty Benefits reports that the average monthly premium for a stand-alone family dental plan sold in New Mexico over a two-year period (2020-2021) was $50.72. (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 Mexico
The stand-alone pediatric dental plans available in New Mexico 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 New Mexico benchmark plan includes coverage for both basic and major dental services for children.
Two insurers offer stand-alone dental plans through the New Mexico exchange
In 2022, two insurers offer stand-alone individual/family dental coverage through the health insurance marketplace in New Mexico. These are dental plans that are not included with a medical plan and must be purchased separately:
- BEST Life
- BCBS of New Mexico
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 New Mexico’s exchange?
There are also a variety of dental insurers that sell stand-alone dental plans directly to consumers in New Mexico. These plans are not subject to the ACA’s essential health benefit rules for pediatric dental coverage, but they are regulated by the New Mexico Office of Superintendent of Insurance (OSI). 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 Mexico
Adults enrolled in Medicaid in New Mexico are eligible for extensive dental services through several health plans offered by the state Medicaid program. Children are also eligible for dental benefits through Centennial Care.
Dental resources in New Mexico
- New Mexico Dental Association
- Low-fee dental clinics in New Mexico
- Centennial Care (New Mexico Medicaid)