I need some help. Here is my scenario, and I don't want any political comments, just advice on a solution if you know of one. Thanks!
(1) We have medical insurance.
(2) We need dental insurance.
(3) Every Insurance Company I have talked with- Their Family Dental Plans do not include Pediatric Dentistry. They told me to get this through the marketplace at healthcare.gov.
(4) When I talked with a representative at healthcare.gov, she said I can't just get a dental plan, I have to get a medical plan first through them and then I can get dental. But since I already have a medical plan...
(5) I am left with the conclusion that I cannot get Pediatric Dental Care Insurance for Sam and Jake.
(6) Someone please tell me that my conclusion is wrong. Thanks!