Millions of Americans navigating the Affordable Care Act (ACA) Health Insurance Marketplace are discovering a critical gap: adult dental coverage is often excluded from standard health plans. In response, netWell™ is offering flexible dental membership options that provide a transparent and affordable alternative to traditional dental insurance.
While dental coverage for children is considered an essential health benefit under the ACA and must be included by insurers, the same requirement does not apply to adults. Many Marketplace plans therefore leave adults without coverage for preventive or restorative dental care. To fill this gap, adults often must purchase a separate dental plan, incurring an additional monthly premium. The result is higher out-of-pocket costs and the potential for unexpected bills for essential dental services.
A Smarter Approach to Dental Care
To address this issue, netWell™ has introduced dental memberships powered by Bento, designed to deliver predictable costs and a community-centered approach to oral health. Unlike conventional dental insurance, which can involve confusing deductibles, co-pays, and waiting periods, netWell™ membership plans offer simple, upfront pricing.
“Dental health is an essential component of overall well-being, yet many adult healthcare plans treat it as optional,” said Bob Malone, CEO and Chairman of the Board at netWell™. “Our memberships provide a straightforward, affordable path for individuals and families to access care without the uncertainty or high costs associated with traditional insurance.”
Key Features of netWell™ Dental Memberships
netWell™ dental memberships are not insurance. Instead, they operate as a cost-sharing solution with several advantages:
Predictable Costs: Members understand their financial responsibility upfront, with clear “sharing” percentages for services and a low annual Member Commitment Portion (MCP) for restorative care.
Flexible Provider Network: Members can access any affiliated Bento dentist nationwide. Staying in-network provides savings, but members may also see non-affiliated providers if they prefer.
Comprehensive Coverage: Plans include a wide range of services, from preventive care such as cleanings and exams to major procedures, including crowns and implants.
Tiered Options: Silver, Gold, and Platinum plans allow members to select coverage aligned with their budget and dental needs, ranging from basic preventive care to extensive restorative and orthodontic services.
By combining transparency, affordability, and flexibility, netWell™ dental memberships give adults the ability to protect their oral health without financial strain. The company emphasizes choice and predictability, empowering members to receive care on their terms.
As adult dental coverage continues to remain inconsistent across ACA plans, netWell™ provides a timely solution for individuals and families seeking reliable access to essential dental services.