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HB 3502

INS CD-RETAINER & NIGHT GUARD

104th Regular Session Introduced by Nicolle Grasse and 2 co-sponsors

Illinois bill requires health insurers to cover dental retainers and night guards as preventive care without deductible or annual maximum restrictions.

Rule 19(a) / Re-referred to Rules Committee
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Bill Summary · HB 3502

Legislative bill overview

HB 3502 requires health insurance plans in Illinois to cover dental retainers and night guards (occlusal guards) as preventive or basic dental services. The bill mandates that these devices be covered without requiring them to count against annual maximums or deductibles, similar to other preventive dental care.

Why is this important

Dental retainers and night guards are commonly prescribed by orthodontists and dentists to prevent tooth movement and address bruxism (teeth grinding), which can cause significant dental damage. By requiring insurance coverage, the bill aims to make these medically necessary devices more affordable and accessible, potentially reducing more costly dental interventions later.

Potential points of contention

  • Insurance cost implications: Insurers may argue that mandatory coverage increases premiums for all policyholders, even those who don't use these devices
  • Definition ambiguity: The bill may lack specificity about which types of retainers and night guards qualify, potentially creating disputes over coverage eligibility
  • Orthodontist vs. dentist prescriptions: Questions may arise about whether coverage applies only to post-orthodontic retainers or also to night guards prescribed for other reasons, and whether this expands beyond traditional orthodontic care

Compiled from official sources — confirm details with the bill’s official record.

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