Family dental insurance covers all family members under one policy, typically including preventive care, basic procedures, and often orthodontic benefits for children.
Family dental insurance averages $50-$150 per month depending on plan type, coverage level, and number of family members covered.
Many family plans include orthodontic coverage for dependent children, typically covering 50% up to a $1,500-$3,000 lifetime maximum.
Best family dental insurance depends on needs. PPO plans offer flexibility, DHMO plans have lowest costs, and some employers offer excellent group coverage.
Children can be covered from birth. Pediatric dental is considered an essential health benefit under the ACA and must be offered in marketplace plans.
Some family plans cover adult orthodontics but often at lower benefit levels than children. Coverage may have age limits or require additional premium.
Children preventive care typically includes exams, cleanings, fluoride treatments, sealants, and X-rays at 100% coverage with no deductible.
Yes, you can add children during open enrollment, within 30-60 days of birth/adoption, or during qualifying life events like marriage.
Family coverage is usually more cost-effective when covering 3+ people. Compare per-person costs between individual and family plan options.
Dependent children typically lose coverage at age 26 under ACA rules, though some plans may have younger age limits like 19 or upon college graduation.