Dental Insurance Plans for Families

Busy families have a lot to juggle, so having a dental health plan that works for everyone is essential. Delta Dental of Iowa offers a range of affordable family dental insurance options designed to meet the needs of family members of all ages. Whether you have a small household or a larger one, our family dental plans offer flexibility, value, and peace of mind.

If you're comparing family dental insurance costs or trying to find the best family dental insurance available in Iowa, you're in the right place. Delta Dental family plans are priced based on the age and number of people in your family. Plus, families with more than three dependent children under age 20 won’t pay extra for additional dependents, which is a great feature for larger households.

Why Dental Insurance Matters for Families

Oral health is closely tied to overall wellness, especially for growing children and aging adults. Regular dental check-ups help prevent costly issues down the road. Our family dental insurance plans provide access to preventive care, like exams and cleanings, as well as restorative treatments like fillings and crowns.

With 9 out of 10 Iowa dentists in our network, it’s easy to find care near you. And with affordable family dental insurance options, protecting your family's smiles doesn't have to break the budget.

Types of Delta Dental Family Plans

Delta Dental of Iowa offers three core family dental plans, each designed to meet different levels of care and budget needs.

Preventive Prime for Families

For families who typically only need routine care, this plan keeps things simple and cost-effective. It covers exams, cleanings, x-rays, and minor treatments like cavity repairs. Preventive Prime is ideal for families with strong dental habits who want affordable dental plans for families without paying for services they rarely use.

Preferred Prime for Families

Our most popular option, Preferred Prime, offers a balanced mix of preventive and restorative care. Along with basic services, this plan includes coverage for crowns, bridges, and other common treatments. It’s an excellent choice for those seeking the best family dental insurance that offers solid coverage without high premiums.

Platinum Prime for Families

If your family has ongoing dental needs or wants to minimize out-of-pocket costs, Platinum Prime is our most comprehensive plan. It features a $2,000 annual benefit maximum and lower costs for covered services. It’s the best fit for families seeking full-coverage dental insurance with extra peace of mind.

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Dental Plans for Families of All Sizes

No matter your household makeup, we offer family dental insurance plans that fit:

• Dental insurance for a family of 3: Two parents and one child? No problem. Choose a plan that grows with your family's needs.
• Dental insurance for a family of 4: Ideal for households with two parents and two kids. Enjoy flexible coverage that adapts as your children grow.
• Dental insurance for a family of 5 or more: Larger families benefit from built-in savings and expansive coverage.

Delta Dental offers flexible coverage designed to support every stage of life. Whether you’re caring for young children with their first dental visits, supporting teens in need of orthodontics, or helping adults manage ongoing dental care, our family dental plans are built to adapt to your needs.

What Family Dental Insurance Covers

Family dental plans from Delta Dental of Iowa provide:

• Preventive care: Cleanings, exams, and x-rays
• Restorative care: Fillings, crowns, bridges
• Pediatric dental services
• Periodontal maintenance and more

When you enroll in Delta Dental family plans, you gain access to consistent, high-quality care that protects everyone in your household, from toddlers to teens to adults.

Make the most of your benefits—Learn how to use your coverage effectively.

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.

Protect Your Family's Smiles Today

Your family’s dental health is too important to leave to chance. With Delta Dental’s affordable family dental insurance plans, you can ensure that every member of your household receives the care they need at every stage of life. Whether you’re looking for basic coverage or a more comprehensive plan, we’ve got you covered. Don’t wait, take the first step toward healthier smiles today by exploring our family dental plans.