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North Dakota dental insurance guide
North Dakota’s health insurance marketplace has certified individual and family dental plans from two insurers
North Dakota uses the federally facilitated health insurance marketplace – HealthCare.gov – for the sale of certified individual/family dental plans.
Very few insurers that offer medical plans through the North Dakota exchange include dental coverage with their health plans, but stand-alone dental plans are available for purchase that cover both adults and children.
Frequently asked questions about dental coverage in North Dakota
How much does dental insurance cost in North Dakota?
For adults who purchase their own stand-alone or family dental coverage through the exchange, premiums range from $63 to $114 per month.
IHC Specialty Benefits reports that the average monthly premium for a stand-alone family dental plan sold in North Dakota in 2022 was $51.58.
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.
Are stand-alone pediatric dental plans on the exchange ACA-compliant?
The stand-alone pediatric dental plans available in North Dakota 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 2023 (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 North Dakota benchmark plan does include coverage for both basic and major dental services for children.
Which insurers offer dental coverage through the North Dakota marketplace?
In 2023, two insurers offers stand-alone individual/family dental coverage through the health insurance marketplace in North Dakota. These are dental plans that are not included with a medical plan and must be purchased separately:
- BEST Life
- Delta Dental of Minnesota
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 North Dakota's exchange?
There are also a variety of dental insurers that sell stand-alone dental plans directly to consumers in North Dakota. These plans are not subject to the ACA’s essential health benefit rules for pediatric dental coverage, but they are regulated by the North Dakota 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.
How does North Dakota Medicaid and CHIP provide dental coverage?
Adults enrolled in Medicaid in North Dakota are eligible for extensive dental services, although North Dakota does not offer dental benefits to those enrolled through the ACA’s Medicaid expansion. Children eligible for Medicaid in North Dakota receive extensive dental benefits regardless of Medicaid expansion affiliation.
Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.