Through Nevada Health Link, you can get dental coverage two ways: as part of a health plan, or by itself through a separate, stand-alone dental plan.
Health plans that include dental coverage. Dental coverage is included in some Nevada Health Link health plans. You can see which plans include dental coverage when you compare them.
Separate, stand-alone dental plans. In some cases separate, stand-alone plans are offered. You can see them when you shop for plans from Nevada Health Link.
There are two categories of Nevada Health Link dental plans: High and low.
- The high coverage level has higher premiums but lower co-payments and deductibles. So you'll pay more every month, but less when you use dental services.
- The low coverage level has lower premiums but higher co-payments and deductibles. So you'll pay less every month, but more when you use dental services.
Under the health care law, dental insurance is treated differently for adults versus children 19 and under.
- Dental coverage is an essential health benefit for children. This means if you're getting health coverage for someone 19 or younger, dental coverage must be available for your child either as part of a health plan or as a stand-alone plan. Note: While dental coverage for children must be available to you, you don't have to buy it.
- Dental coverage isn't an essential health benefit for adults. Insurers don't have to offer adult dental coverage.