4.) My group is self-funded and we have a contract with Delta Dental to administer our dental benefits. Is my dental plan an “excepted benefit” because it is administered separately from my medical plan?
Yes, pursuant to the final rule issued on October 1, 2014, by the U.S. departments of Health and Human Services, Labor and the Treasury, your dental plan is considered an excepted benefit so long as it is administered pursuant to an agreement that is separate from the claims administration for any other benefits covered under the plan. If your dental plan is being administered by Delta Dental, your plan is an excepted benefit and is not subject to the ACA’s market reform requirements. See the answer to Question 3 above.