“[plans] rose in popularity throughout the ‘60s and. Please note that while insurance companies aren’t required to offer adult dental insurance, dental benefits are considered an essential health benefit for children. Does Obamacare Cover Dental Procedures? Health insurance Chiropractic / osteopathy $300 a year. Does health insurance cover dental . For example, if you're involved in a car accident that results in trauma to your jaw, teeth, or gums, your standard health insurance plan probably will pay for the medical and dental work that'll fix it. Having dental insurance can help reduce the cost of the additional procedures that are necessary for the extraction so that you will pay less out of pocket. Dental coverage is an essential health benefit for children. Most dental insurance companies consider dental implants to be a cosmetic procedure, which isn’t covered by most policies. Exploring your current health insurance plan will help you better understand what ...