Min asked in Business & FinanceInsurance · 1 month ago

Medicaid and private insurance?

I'm eligible for medicaid but but I'm not eligible to shop for marketplace plans since my income is too low. I have jaw/tmj issues and wanted private dental insurance because of the better benefits. Can I buy private dental plans if I can't buy marketplace dental plans? If I want delta dental, can I just go to their site and buy dental insurance or is that not allowed either? What is the difference between private and marketplace plans/ Are they the same? I'm in CA and enrollment is open until January 31.

4 Answers

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  • Kini
    Lv 7
    2 weeks ago

    You an always buy private insurance if you can afford it. That has nothing to do with Medi-Cal.

  • 1 month ago

    Since you are not eligible for a tax subsidy, you don't need to shop on coveredca.com.  You are able to purchase directly from the insurance companies.

    TMJ is a joint disorder and treatment (excluding braces) is generally covered until medical not dental insurance.

    Dental insurance is usually nothing more than a pre-paid plan.  Once you factor in the cost of coverage, Denti-Cal and private dental insurance is likely the same.

    To clarify the other answers:

    In California, you can purchase dental insurance through coveredca.com.  I don't know if other state's marketplace provides dental / vision insurance or not.

    However, dental insurance does not come with a tax subsidy so you will be paying the same price whether you purchase on coveredca.com or direct through DD. 

  • Eva
    Lv 7
    1 month ago

    There are no marketplace dental plans.  Read the plan coverage in any dental plan you are looking at.  Most require you to have had the insurance for at least a year before they pay for anything major.  Dental plans are usually quite expensive as well.  If you make so little that you qualify for Medicaid, it's unlikely you'll be able to afford dental issues.  Medicaid does have dental coverage.

  • 1 month ago

    Marketplace plans are eligible for government subsidies, but only if your income is too much to qualify for medicaid.  Private plans are not eligible for government subsidies, even if your income is too much to qualify for medicaid.  Because your income is low enough to qualify for medicaid, you would not be eligible for the subsidy with any type of plan.

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