Dental Insurance North Dakota: Understanding Your Options and Costs

If you're a North Dakota resident looking for dental insurance, you have several options to consider. There are private insurance companies that offer dental insurance plans.

You can choose from a variety of plans, including individual, family, and group plans. These plans typically cover a range of services, including routine cleanings, fillings, and extractions.

Some dental insurance plans in North Dakota may have a waiting period before coverage begins, typically 6-12 months. This means you'll need to pay out-of-pocket for dental care during this time.

In North Dakota, you can purchase dental insurance through private companies, such as Delta Dental and UnitedHealthcare. These companies offer a range of plans with varying levels of coverage and costs.

If you're looking for insurance options in North Dakota, you have a few choices. Two insurers offer stand-alone individual/family dental coverage through the health insurance marketplace in North Dakota: BEST Life and Delta Dental of Minnesota.

You can purchase these plans through HealthCare.gov during open enrollment or a special enrollment period triggered by a qualifying life event. This ensures that you and your family can get the dental care you need.

Spirit Dental also offers family dental insurance that comprehensively covers each family member's dental needs, including preventive, basic, and major services. Their plans are tailored to provide peace of mind and optimal dental health for your loved ones.

Here are some key features of Spirit Dental's family plans:

Keep in mind that DentalSave memberships also offer big discounts on vision care, hearing care, and prescription drugs, including 20-40% off eye exams and glasses.

If you're looking for insurers offering dental coverage through the North Dakota marketplace, you're in luck. BEST Life and Delta Dental of Minnesota are the two insurers that offer stand-alone individual/family dental coverage through the health insurance marketplace in North Dakota.

These plans must be purchased separately and can be found on HealthCare.gov during open enrollment (November 1 to January 15) or during a special enrollment period triggered by a qualifying life event.

Here are the insurers offering dental coverage through the North Dakota marketplace:

Keep in mind that plans from insurers may not be offered in all areas, so be sure to check the availability of these plans in your specific location.

Stand-alone pediatric dental plans available through HealthCare.gov in North Dakota are ACA-compliant.

The out-of-pocket costs for pediatric dental care on these plans won't be more than $400 per child in 2024.

For all the children on a family's plan, the out-of-pocket maximum is $800 in 2024.

In 2025, the out-of-pocket maximums will increase to $425 and $850, respectively.

These plans have no cap on medically necessary pediatric dental benefits.

If a medical plan has embedded pediatric dental benefits, the maximum out-of-pocket limits don't apply.

However, there's no limit on how much the plan will pay for pediatric dental care.

Some medical plans available through the North Dakota exchange have embedded pediatric dental coverage.

But none include embedded adult dental coverage.

North Dakota Medicaid provides extensive dental services to adults, but only to those not enrolled through the ACA's Medicaid expansion.

Children enrolled in Medicaid in North Dakota receive extensive dental benefits, regardless of their Medicaid expansion affiliation.

Healthy Steps, North Dakota's CHIP, offers coverage to uninsured children and pregnant women with income above Medicaid's eligibility limits.

Adults enrolled in Medicaid expansion in North Dakota do not receive dental benefits through Medicaid.

Children's dental benefits through Medicaid in North Dakota are not affected by their Medicaid expansion status.

If you're looking for dental resources in North Dakota, you're in luck. The North Dakota Dental Association is a great place to start, offering a wealth of information and support for dental professionals and patients alike.

There are also several low-fee dental clinics available in the state, making it easier for those who may not have access to regular dental care to get the treatment they need. Medicaid expansion has also brought dental benefits coverage to more North Dakotans, with Medicaid now covering a range of dental services.

Here are some key resources to know:

You're looking for more information on available resources? Let's dive into some frequently asked questions.

What types of resources are available for individuals with disabilities? There are various resources available, including assistive technology, adaptive sports programs, and accessible transportation options.

What is assistive technology, and how can it help? Assistive technology can include devices such as wheelchairs, communication devices, and reading machines, which can greatly improve daily life for individuals with disabilities.

How can I find adaptive sports programs in my area? Many organizations offer adaptive sports programs, and you can find them through online directories, such as the National Ability Center's Adaptive Sports Directory.

What types of accessible transportation options are available? There are various accessible transportation options available, including wheelchair-accessible buses and trains, as well as ride-sharing services that accommodate individuals with disabilities.

Can I use my health insurance to cover the cost of assistive technology? It depends on your insurance plan, but some plans may cover the cost of assistive technology, so it's worth checking with your provider.

How can I get involved with adaptive sports programs? You can get involved by volunteering, donating, or participating in adaptive sports programs yourself, which can be a fun and rewarding experience.

If you're looking for dental resources in North Dakota, you're in luck - there are several options available.

The North Dakota Dental Association is a great place to start, as it provides information on dental care and resources for both patients and dentists.

Low-fee dental clinics in North Dakota can also be a viable option for those in need of affordable dental care.

North Dakota Medicaid is another resource that can help cover dental expenses for eligible individuals.

You can also visit HealthCare.gov to explore dental coverage options and find a plan that suits your needs.

Here are some specific resources to consider:

Cigna Healthcare Plans offer a range of options to suit different needs and budgets.

You can choose from lower-cost plans starting at $20 per month, with average deductibles ranging from $0 to $50. These plans offer up to $1,500 in benefits and include $0 dental check-ups, including cleanings and routine x-rays.

More robust coverage is available with plans starting at $24 per month, featuring deductibles of $100 and up to $3,000 in benefits. You can see any dentist you'd like, but save more with a dentist in the Total Network.

Here are some key features of Cigna Healthcare Plans:

Cigna Healthcare offers a range of dental insurance plans to suit different needs and budgets.

You can choose from lower-cost coverage with average monthly premiums starting at $20, or more robust coverage with higher benefits for around $24 per month.

Lower-cost plans come with $0-$50 deductibles, up to $1,500 in benefits, and $0 dental check-ups, including cleanings and routine x-rays.

Orthodontia is available on select plans, and you can save more by seeing a dentist in the Advantage Network.

More robust plans have $100 deductibles, up to $3,000 in benefits, and $0 dental check-ups after deductible, including cleanings and routine x-rays.

You can also get dental plus coverage that includes vision and hearing, with average monthly premiums starting at $32.

Here's a breakdown of the different plans:

Choosing a Cigna Healthcare Plan can be a bit overwhelming, but don't worry, I've got you covered. You can choose from lower-cost plans with lower deductibles or more robust plans with higher benefits.

Lower-cost plans start at an average monthly premium of $20, with options like the Cigna Dental Preventive plan that offers $0-$50 deductibles and up to $1,500 in benefits. This plan also includes $0 dental check-ups, including cleanings and routine x-rays.

If you're looking for more robust coverage, you can opt for plans with higher benefits, such as the Cigna Dental 1500 plan, which has a deductible of $100 and up to $3,000 in benefits. This plan also offers $0 dental check-ups after the deductible.

If you want dental plus coverage for vision or vision and hearing, you can choose from plans like the Cigna Dental Vision 1000, which has a deductible of $50-$100 and up to $2,500 in dental benefits. This plan also offers up to $300 in vision benefits and up to $700 in hearing benefits.

Here's a quick comparison of some of the plans:

You can enroll in a Cigna Healthcare plan at any time, and your coverage can start as soon as next month.