Three big dental organizations want managers of the District of Columbia health insurance exchange to make room for stand-alone children's dental plans.
Representatives for Delta Dental, MetLife and Guardian Life Insurance Company of America say creating a market for stand-alone dental coverage for children would help families buy better coverage for their children and cut the families' dental bills.
Moreover, because the QHP out-of-pocket maximum applies to both medical and dental expenses, a family with a $30,000 out-of-pocket maximum might have to spend as much as $30,000 on dental care for a child before the out-of-pocket maximum would kick in and the plan would cover the full cost of the care.
A D.C. exchange dental plan working group has proposed limiting the deductible for in-network children's dental services to $50 for individuals and $100 for families.
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