With the essential health benefit mandate and the creation of health insurance marketplaces, your small business clients – those with fewer than 50 employees or fewer than 100 employees in some states – have likely been affected by the Affordable Care Act (ACA) the most. None of this, however, necessitates a switch in coverage, carriers, or how and where their insurance is purchased.
Maintaining dental benefits may require the least amount of change.
- Pediatric dental benefits don't have to be embedded in a medical plan. In fact, we believe it's better if dental benefits are not embedded in a medical plan.
- Fully insured dental benefits offered through stand-alone dental carriers, like MetLife, are largely exempt from the requirements of the ACA if the dental plan qualifies as an excepted benefit under the ACA.
- While some of your small business clients may have decided to offer their benefits through an exchange, they may be able to find a broader selection of plan designs, including ACA-compliant benefits, outside the exchanges or marketplaces.
You can count on us to help.
The ACA presents your clients and your business with many challenges, but it also provides you with the opportunity to establish yourself as a valued consultant for today and the long-term. And, we’re here to help you.
If you have any questions, contact your MetLife representative today.