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Indiana dental insurance guide 2022

Indiana dental insurance guide 2022

Indiana's health insurance marketplace has certified individual and family dental plans from seven insurers

Dental insurance in Indiana

Indiana uses the federally facilitated health insurance marketplace HealthCare.gov for the sale of certified individual/family dental plans.

Not all insurers that offer medical plans through the Indiana exchange include adult or pediatric dental coverage as part of their health plans, so stand-alone dental plans can be purchased on the exchange.

How much does dental insurance cost in Indiana?

For adults who purchase their own stand-alone or family dental coverage through the exchange, premiums range from $29 to $93 per month.

IHC Specialty Benefits reports that the average monthly premium for a stand-alone family dental plan sold in Indiana over a two-year period (2020-2021) was $44.93. (Typical family size was 1.2 to 1.4 persons.)

If a family is purchasing coverage through the health insurance exchange, the premiums associated with pediatric dental coverage may or may not be offset by premium tax credits (premium subsidies). Here’s more about how that works, depending on whether the health plan has integrated pediatric dental benefits.

Pediatric dental benefits in Indiana

The stand-alone pediatric dental plans available in Indiana will comply with the ACA’s pediatric dental coverage rules. This means out-of-pocket costs for pediatric dental care will not exceed $375 per child in 2022 (or $750 for all the children on a family’s plan), and there is no cap on medically necessary pediatric dental benefits.

As is the case for all essential health benefits, the specific coverage requirements for pediatric dental care are guided by the state’s essential health benefits benchmark plan.

The Indiana benchmark plan includes coverage for both basic and major dental services for children.

Two insurers offer stand-alone dental plans through the Indiana exchange

In 2022, two insurers offers stand-alone individual/family dental coverage through the health insurance marketplace in Indiana. These are dental plans that are not included with a medical plan and must be purchased separately:

  • Anthem BCBS
  • BEST Life
  • Renaissance Dental
  • Guardian
  • Delta Dental of Indiana
  • DentaQuest USA
  • Truassure

This coverage can be purchased through HealthCare.gov during open enrollment (November 1 to January 15) or during a special enrollment period triggered by a qualifying life event. Exchange-certified stand-alone dental plans are compliant with the ACA’s rules for pediatric dental coverage.

Can I buy dental insurance outside of Indiana’s exchange?

There are also a variety of dental insurers that sell stand-alone dental plans directly to consumers in Indiana. These plans are not subject to the ACA’s essential health benefit rules for pediatric dental coverage, but they are regulated by the Indiana Department of Insurance. If you would like to purchase a non-ACA qualified dental plan, ask a dentist for recommendations or search online.

There are also various dental discount plans available in every state. Dental discount plans are not insurance, but can offer discounted rates at participating dentists. Learn about the differences between dental insurance and dental discount plans.

To find plans in your area, search online for dental discount plans and the state you are looking to buy a plan in.

Medicaid/CHIP dental coverage in Indiana

Medicaid in Indiana does not cover dental services for eligible adults. Children eligible for Medicaid in Indiana have several programs to enroll in which can offer dental care.

Indiana’s CHIP falls under Hoosier Healthwise, and provides coverage to children and pregnant women with income above the eligibility limits for Medicaid.

Dental resources in Indiana

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Here's what you need to know when you're shopping for adult dental coverage through a state health insurance marketplace or directly from a dental plan carrier.
There is no penalty for not having pediatric dental on your policy – and in most exchanges, you can purchase a plan without pediatric dental. But off-exchange, carriers are required ...
If you're an adult who bought a dental insurance plan, your out-of-pocket costs will depend entirely on the amount of dental care you need during the year. But for children, ...
For those who purchase their own insurance, the decision to purchase dental coverage is not always as clear-cut as the decision to purchase health insurance.
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Dental insurance and dental discount plans can both be useful in terms of reducing your total dental costs, but they vary significantly in terms of the benefits you get and ...

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For all information on Medicare in Indiana, healthinsurance.org has you covered. Get all the resources you need to make an informed decision.

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Learn about health insurance coverage options in your state.

Our state guides offer up-to-date information about ACA-compliant individual and family plans and marketplace enrollment; Medicaid expansion status and Medicaid eligibility; short-term health insurance regulations and short-term plan availability; and Medicare plan options.