This past week as I presented on the Affordable Care Act (ACA) at libraries in South Florida, there was a common question raised by the attendees at each session: Does the ACA require health insurers to provide dental and vision coverage? The answer is yes and no.
The ACA provides that health insurers include in their benefit plans 10 Essential Health Benefits. One of the 10 required elements is pediatric services which includes dental and vision coverage for children. Unfortunately though, there is no similar requirement for adults.
There has been talk that dental and vision coverage will be made available through the state based insurance exchanges – meaning you can buy the coverage separately, for an additional premium. There has been no word so far if a similar offering will be made available through the federal health insurance marketplace.