The ACA requires small business employers with fewer than 50 employees (or fewer than 100 employees in some states) to offer a medical plan that includes 10 essential health benefits (EHBs), including pediatric dental benefits.
- Pediatric dental benefits don't have to be embedded with the other essential health benefits in a medical plan. In fact, we believe it's better if dental benefits are not embedded in a medical plan.
- If you provide fully insured dental benefits through a stand-alone dental carrier, like MetLife, your dental plan can be an excepted benefit plan. Dental plans are largely exempt from the requirements of the ACA if the dental plan qualifies as an excepted benefit.
MetLife has put a lot of thought into designing ACA-compliant plans that work for our customers and their employees.
And to help our small-business customers comply with HCR, we added the pediatric dental benefit to many of our dental benefit plans. So, many of you can continue offering MetLife dental benefits just like you have always done.