Dental insurance plans for families
Busy families have so much keep track of, wouldn’t it be great to have a dental health plan with the flexibility to work for everyone? Delta Dental of Iowa offers affordable family dental insurance plans to meet the needs of family members of all ages. Our plans are priced based on the age of each person and the number of people in your family. If you have more than three dependent children (under age 20), there is no charge for additional dependents. Family dental health is an important aspect of overall health. Keep your family’s smiles healthy with a family dental insurance plan from Delta Dental of Iowa.
Preventive Prime for families
Does your family have a history of only needing basic care from your dentist like annual exams, cleanings, x-rays and cavity repairs? Keep it simple and affordable with our Preventive Prime plan. Low monthly premiums and simplified coverage make it easy for your family to keep those healthy smiles shining bright.
Preferred Prime for families
If you’re in the market for an affordable family plan that gives you basic coverage plus a little more, we have just the plan for you. The Preferred Prime dental insurance plan is the most popular Delta Dental insurance plan. It covers the basics – exams, x-rays, cleanings and fillings– plus bridges, crowns and more.
Platinum Prime for families
When it comes to dental expenses, it’s important to be proactive and prepared. If you want the extra assurance of having more dental coverage for your family, our Platinum Prime plan may be right for you. It includes an annual benefit maximum of $2,000 with lower out-of-pocket costs compared to our other plans. Platinum Prime is the plan for families who need full coverage dental insurance with no surprises.
Family Dental Plan FAQs
- What are the most affordable dental plans for families?
Delta Dental of Iowa offers several affordable options designed with families in mind. The Preventive Prime plan is a budget-friendly choice that covers essential services like cleanings, exams and x-rays — perfect for routine care for kids and parents alike.
If you’re looking for more comprehensive coverage, the Preferred Prime and Platinum Prime plans include restorative services like fillings, crowns, and root canals, providing greater protection for growing smiles and unexpected dental needs.
- How much does family dental insurance cost?
Family dental insurance costs vary based on the plan you choose and the number of covered family members. Plans range from $20 to $65 per person per month, depending on coverage level. Delta Dental of Iowa offers flexible plans to fit your budget, whether you need just preventive care or full coverage for more extensive procedures.
You can get a free quote online in just a few minutes to see what works best for your family.
- Can I get affordable dental insurance for my kids?
Yes! Delta Dental of Iowa offers affordable coverage specifically designed for children’s oral health needs. Our plans cover regular dental checkups, cleanings, fluoride treatments, and sealants — all key to preventing cavities and supporting healthy development.
You can purchase family plans that include pediatric coverage or choose a child-only dental plan. Coverage is also available through Iowa’s Health Insurance Marketplace.
- When should I add my child to my dental insurance?
You should add your child to your dental insurance as soon as they are born or adopted. Many plans allow you to enroll your child during a special enrollment period (within 30–60 days of birth or adoption) or during your annual open enrollment.
Early dental visits are important — the American Dental Association recommends children see a dentist by their first birthday to set the foundation for lifelong oral health.
- How do I get dental insurance for my child?
You can get dental insurance for your child by:
- Adding them to your existing family dental plan during open enrollment or after a qualifying life event.
- Purchasing a child-only dental plan through Delta Dental of Iowa or the state’s insurance marketplace.
- Enrolling in a family dental plan that covers both adults and children.
Visit our plans page to compare options and enroll online.
- What is the age limit for dependents on dental insurance?
Typically, dependents can stay on your dental insurance plan until age 26, even if they are no longer living at home, are married, or are no longer in school.
However, exact rules can vary by plan, so it’s best to check your policy details or contact Delta Dental of Iowa directly to confirm coverage eligibility for your child.
Sign up for dental insurance coverage today
It’s important to take care of your daily dental needs like brushing and flossing as well as seeing your dentist twice a year for exams and cleaning. Delta Dental of Iowa can help you find an individual dental insurance plan that meets your health care needs and your budget. And since 9 out of 10 Iowa dentists are Delta Dental providers, there’s a good chance yours is too. Even if your current dentist isn’t in the network, you’ll still receive valuable coverage. It’s easy to get a quote, compare coverage and enroll in a dental plan today