Under the law, health insurers must cover 10 essential benefits.
Need a teeth-cleaning or eye exam? You still could be reaching into your own wallet to cover the cost even after the Affordable Care Act takes full effect next year. Dental and vision care is considered an essential benefit for children aged 18 and younger whose parents or guardians get insurance through the individual or small-group plans. The law does not mandate this coverage for adults, but some states could choose to have them covered.
Still, getting dental coverage for children and teenagers might be a bit complicated, depending on where you live. States can choose to offer those items as stand-alone plans, and federal subsidies would not help pay for the costs.