New California State Law Impacts 2025 Dental Plans

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New California State Law Impacts 2025 Dental Plans

Nov 18, 2024, < 1 Minute Read

AB 1048 – a recently passed California state law – impacts dental insurance plans in 2025. AB 1048 prohibits fully insured large group dental plans from imposing a dental waiting period or preexisting condition provision for any plan year beginning on or after January 1, 2025.

Humana

Humana is updating their fully insured Group Benefits dental plans in California to meet new state regulations effective January 1, 2025.

Removed from plans:

Waiting periods for California Humana Group Benefits dental plans with 51+ enrolled employees.
Missing tooth exclusion for all California Humana Group Benefits dental plans.

Details important to you and your clients:

The changes apply to both new and existing fully insured Humana Dental groups starting January 1, 2025.
New dental plan groups with effective dates starting January 1, 2025, will include these updates.
The changes will automatically take effect on existing groups’ dental plans on January 1, 2025, no matter when their renewal dates are.
The updates will not apply to benefits before January 1, 2025. No retroactive changes.
You or your clients do not need to do anything.

Claremont will keep you updated as other carriers announce their updates in response to the law.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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