Key takeaways
- What are typical dental insurance costs in Iowa?
- Stand-alone pediatric dental plans in Iowa comply with the ACA’s pediatric dental coverage rules.
- In 2022, three insurers offer stand-alone dental plans in Iowa’s marketplace.
- Off-exchange stand-alone dental plans are available in Iowa.
- See how Medicaid and CHIP cover dental in Iowa.
- Review our list of Iowa dental resources.
Dental insurance in Iowa
Iowa 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 Iowa exchange include pediatric dental coverage with their health plans, but stand-alone dental plans are available for purchase that cover both adults and children.
How much does dental insurance cost in Iowa?
For adults who purchase their own stand-alone or family dental coverage through the exchange, premiums range from $33 to $114 per month.
IHC Specialty Benefits reports that the average monthly premium for a stand-alone family dental plan sold in Iowa over a two-year period (2020-2021) was $43.08. (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 Iowa
The stand-alone pediatric dental plans available in Iowa 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.
You can see details here for the Iowa benchmark plan, which does include coverage for both basic and major dental services for children.
Three insurers offer stand-alone dental plans through the Iowa exchange
In 2022, three insurers offer stand-alone individual/family dental coverage through the health insurance marketplace in Iowa. These are dental plans that are not included with a medical plan and must be purchased separately:
- BEST Life
- Delta Dental of Iowa
- Dentegra
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 Iowa’s exchange?
There are also a variety of dental insurers that sell stand-alone dental plans directly to consumers in Iowa. These plans are not subject to the ACA’s essential health benefit rules for pediatric dental coverage, but they are regulated by the Iowa Insurance Division. 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 Iowa
Adults eligible for Medicaid in Iowa can enroll in the Dental Wellness Plan, and receive access to extensive dental services. Kids aged 18 and under are eligible to enroll in Dental Wellness Plan Kids.
Hawki, which is Iowa’s CHIP, provides coverage to eligible children and pregnant women with income above the eligibility limits for Medicaid.
