- What are typical dental insurance costs in Tennessee?
- Stand-alone pediatric dental plans in Tennessee comply with the ACA’s pediatric dental coverage rules.
- In 2022, seven insurers offer dental plans in Tennessee’s marketplace.
- Off-exchange stand-alone dental plans are available in Tennessee.
- See how Medicaid and CHIP cover dental in Tennessee.
- Review our list of Tennessee dental resources.
Dental insurance in Tennessee
Tennessee uses the federally facilitated health insurance marketplace HealthCare.gov for the sale of certified individual/family dental plans.
Not all insurers who offer medical plans through the Tennessee exchange include 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 Tennessee?
For adults who purchase their own stand-alone or family dental coverage through the exchange, premiums range from $29 to $89 per month.
IHC Specialty Benefits reports that the average monthly premium for a stand-alone family dental plan sold in Tennessee over a two-year period (2020-2021) was $41.88. (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 Tennessee
The stand-alone pediatric dental plans available in Tennessee 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.
You can review details of the Tennessee benchmark plan, which does include coverage for both basic and major dental services for children.
Seven insurers offer stand-alone dental plans through the Tennessee exchange
In 2022, seven insurers offer stand-alone individual/family dental coverage through the health insurance marketplace in Tennessee. These are dental plans that are not included with a medical plan and must be purchased separately:
- BEST Life
- Cigna Healthcare
These plans 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 Tennessee’s exchange?
There are also a variety of dental insurers that sell stand-alone dental plans directly to consumers in the Volunteer State. These plans are not subject to the ACA’s essential health benefit rules for pediatric dental coverage, but they are regulated by the Tennessee Division of Insurance. If you would like to purchase a non-ACA qualified dental plan, ask a dentist for recommendations or search online.
In Tennessee, there are also various dental discount plans available. Dental discount plans are not insurance, but they can get consumers lower 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 Tennessee
Adults enrolled in Medicaid in Tennessee, known as TennCare, are eligible for no dental services at this time. Children enrolled in Medicaid are eligible to receive comprehensive dental benefits as long as they are deemed medically necessary.