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Managed DentalGuard IL Essentials 1
Healthcare.gov Individual Dental Plan Finder
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Managed DentalGuard IL Essentials 1

Overview
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Managed DentalGuard IL Essentials 1 is an individual dental health plan issued by First Commonwealth Insurance Company and is available for the year 2019. This dental plan is offered by the federal government through HealthCare.gov and the Affordable Care Act (ACA).

Do I Need to Buy a Dental Plan?

Some but not all health plans offer dental coverage. If your health plan does not include dental coverage, you can purchase a stand-alone dental plan.

However, you cannot buy a dental plan from the government healthcare marketplace, unless you are also buying a health plan at the same time.

Where Do I Need to Live to Quality for this Plan?

This plan is available for qualifying individuals who live in Kendall county, Illinois.

What Type of Dental Plan Is This?

This plan is an HMO plan, which is also known as a "Health Maintenance Organization." An HMO is a type of insurance plan that generally limits coverage to care from doctors who contract with the HMO. Out-of-network doctors are usually not covered.

You may be required to live or work in a particular service area in order to be eligible for the HMO's coverage. In an HMO, you will usually need to have a primary care doctor (PCP) and you need referrals in order to see specialists.

This is a lower premium, higher copay and deductible plan. This means you pay less every month, but you will pay more when you use dental services. This plan is better for those who plan to use a lot of dental services.

Where Can I Buy This Plan?

You can purchase this plan at HealthCare.gov.

About
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Issuer
First Commonwealth Insurance Company
Plan ID
87304IL0060006
Coverage area
Kendall County, Illinois
Phone
Local Phone: 1-844-561-5600
Toll-Free: 1-844-561-5600
TTY: 1-844-561-5600
Plan type
HMO
Coverage type
Low
Child only option
Allows Adult and Child-Only
Deductible
Not Applicable
Out-of-Pocket Maximum
$350
Coverage
Adult Dental Coverage
Child Dental Coverage
Deductible
Dental Deductible (Individual) Not Applicable
Dental Maximum Out of Pocket (Individual) $350
Dental Deductible (Family) Not Applicable
Dental Maximum Out of Pocket (Family) $700
Routine Dental Services (Adult) No Charge
Basic Dental Care (Adult) $28
Major Dental Care (Adult) $326
Adult Orthodontics $2,800
Dental Check-Up for Children No Charge
Basic Dental Care (Child) $28
Major Dental Care (Child) $326
Orthodontia (Child) $350
Premium Rates
Premium Child Age 0-14 19
Preimum Child Age 18 19
Premium Adult Individual Age 21 15
Premium Adult Individual Age 27 15
Premium Adult Individual Age 30 15
Premium Adult Individual Age 40 15
Premium Adult Individual Age 50 15
Premium Adult Individual Age 60 15
Premium Couple 21 30
Premium Couple 30 30
Premium Couple 40 30
Premium Couple 50 30
Premium Couple 60 30
Couple+1 child, Age 21 49
Couple+1 child, Age 30 49
Couple+1 child, Age 40 49
Couple+1 child, Age 50 49
Couple+2 children, Age 21 69
Couple+2 children, Age 30 69
Couple+2 children, Age 40 69
Couple+2 children, Age 50 69
Couple+3 or more Children, Age 21 88
Couple+3 or more Children, Age 30 88
Couple+3 or more Children, Age 40 88
Couple+3 or more Children, Age 50 88
Individual+1 child, Age 21 34
Individual+1 child, Age 30 34
Individual+1 child, Age 40 34
Individual+1 child, Age 50 34
Individual+2 children, Age 21 54
Individual+2 children, Age 30 54
Individual+2 children, Age 40 54
Individual+2 children, Age 50 54
Individual+3 or more children, Age 21 73
Individual+3 or more children, Age 30 73
Individual+3 or more children, Age 40 73
Individual+3 or more children, Age 50 73
Reference
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  • HealthCare.gov. U.S. Centers for Medicare and Medicaid. Accessed June 11, 2019. https://www.healthcare.gov/
  • What You Should Know about Provider Networks. U.S. Centers for Medicare and Medicaid. Accessed June 11, 2019. https://marketplace.cms.gov/outreach-and-education/what-you-should-know-provider-networks.pdf
  • Dental coverage in the Marketplace. U.S. Centers for Medicare & Medicaid. Accessed June 11, 2019. https://www.healthcare.gov/coverage/dental-coverage/