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Tennessee dental insurance guide 2022

Tennessee dental insurance guide 2022

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

Dental insurance in Tennessee

Tennessee uses the federally facilitated health insurance marketplace 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.

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 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
  • DentaQuest
  • DentaTrust/DentaSpan
  • Guardian
  • Humana
  • Truassure

These plans can be purchased through 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.

CoverKids, which is Tennessee’s CHIP, provides dental coverage to uninsured children and pregnant women with income above the eligibility limits for Medicaid.

Dental resources in Tennessee

Related articles

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.
Pediatric dental is one of the essential health benefits, although it’s a bit more complicated than the other nine. Some medical policies have pediatric dental embedded in the plan, and ...
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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Medicare in Tennessee

For all information on Medicare in Tennessee, 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.