ACA health plans do not include adult dental or vision coverage. A standalone dental plan covers cleanings, fillings, crowns, and major work. Vision plans cover exams, glasses, and contacts. A licensed Utah broker pairs these with your health plan.
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Why You Need It
The Affordable Care Act requires pediatric dental and vision coverage in ACA plans, but adult dental and vision are not required — and most ACA plans do not include them. This means millions of Utahns on ACA marketplace plans have zero dental or vision coverage unless they purchase a standalone plan.
The cost of uninsured dental care is significant: a single crown can cost $1,000–$1,800 out of pocket; a root canal $1,000–$1,500; a full set of X-rays $200–$300. Routine cleanings without insurance run $100–$200 each. A dental plan costing $30–$50/month typically covers 100% of preventive care and 50–80% of major work after a waiting period.
Vision plans are typically $8–$15/month and cover one annual exam plus an allowance for frames and lenses. Contact lens allowances are also standard. For Utah families where multiple people wear glasses, a family vision plan often pays for itself in the first claim.
PPO Plans: See any dentist, with better benefits for in-network providers. Most flexibility. Most popular in Utah's metro areas where multiple dental networks compete.
HMO / DHMO Plans: Lower premiums, must use network dentists. Best for Utahns with an established dentist who participates in the network.
Indemnity Plans: See any licensed dentist, insurer pays a percentage of usual fees. Most flexible but typically higher premium.
Copay Plans: A benefit-rich plan type where you pay a fixed copay per visit or procedure instead of meeting a deductible first — no percentage calculations, no guessing what you'll owe. Allstate Health Solutions offers a Select Dental PPO Copay plan available in Utah, including a Copay 2 option with no waiting period on any services and no annual benefit maximum — a significant advantage over traditional dental plans. Ask your broker about available options.
Most dental plans impose waiting periods for major services (crowns, root canals, bridges): typically 6–12 months. Preventive and basic services often have no waiting period. If you know you need major work soon, a broker identifies plans with reduced or no waiting periods — they exist, but require careful comparison.
One notable exception: the Allstate Health Solutions Select Dental Copay 2 plan has no waiting period on any service — coverage begins day one for preventive, basic, and major work alike.
A licensed Utah broker pairs dental and vision plans with your health coverage in minutes — at no cost to you.
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