Adult dental insurance

Adult dental insurance is a health insurance subcategory that covers preventive and restorative dental care for individuals aged 19 and older. Most adult dental plans pay for biannual cleanings, exams, and X-rays, as seen in Delta Dental’s PPO plans.

Standard adult dental policies exclude cosmetic procedures like whitening or veneers but include necessary treatments such as fillings, crowns, or root canals. Premiums for adult dental insurance average $20–$50 per month nationwide, with out-of-pocket costs depending on coverage type (DHMO vs.

PPO). Insurers like Cigna, MetLife, and Humana offer plans with annual maximums ranging from $1,000 to $2,000 per policyholder.

Coverage waiting periods for basic or major services typically range from 6 to 12 months. Adult enrollees face deductibles averaging $50–$100 per year before insurance pays benefits, according to YourInsurance.info.

Most plans require coinsurance for restorative work, often covering 50%–80% after the deductible. Employers may offer group adult dental plans as voluntary benefits distinct from pediatric coverage under ACA mandates.

Stand-alone adult dental policies can be purchased on the private market or through healthcare exchanges but are not mandated by federal law.