Benefit Spotlight: Milestone Birthdays That Matter For Dental and Vision Coverage

By April 24, 2015November 29th, 2017Health Insurance

13, 16, 18, 21…you may consider these birthdays important milestones in your child’s life, but when it comes to health coverage and benefits, the important ages to remember are 19 and 26. That’s because the Affordable Care Act (ACA) has made it possible for children to remain on their parents’ medical plan until age 26. However, the basic pediatric preventive and routine dental and vision coverage required under the ACA that your children get as part of their medical plan ends at age 19.

When a child reaches these milestone birthdays, it’s important for parents to seek coverage so that they can ensure that care is not interrupted.

Aging out of pediatric dental and vision benefits at age 19

When it comes to pediatric dental and vision coverage, children are covered until age 19. That means at the end of their birthday month (for vision) and the end of their birthday year (for dental), they will no longer be eligible to receive the pediatric dental and vision benefits that are included in most ACA-compliant medical plans.

That’s why Independence Blue Cross (Independence) created adult dental and vision plans for anyone age 19 and older. These affordable plans feature large provider networks, out-of-network coverage, discounts on services, and more. Plus they can be purchased any time of the year, with or without a medical plan.

Here are ways you can ensure you and your family are getting dental and vision care:

  • If you don’t have an adult dental or vision plan, enroll in one today.
  • If you have an existing adult dental or vision plan, you can enroll children between 19 – 26 years of age.
  • Adults age 19 and older can purchase their own individual dental and vision plans.

To find out more about our adult dental and vision plans, call 1-844-315-4891 (Monday through Friday, 8 a.m.-8 p.m.) or go online at


Ginny Palmieri

About Ginny Palmieri

Ginny Palmieri is vice president of Specialty Services for Independence Blue Cross (Independence). She is responsible for all facets of Specialty Services, including the launch and delivery of specialty services and the distribution of Independence’s suite of specialty products to the market. Products include dental, vision, prescription, voluntary insurance (accident, critical illness, cancer, life), stop loss, COBRA, employee assistance programs, and travel insurance. Ginny has over 25 years of diverse experience in strategy, marketing, human resources, operations, and communications management, with a strong record of accomplishment in developing teams that consistently meet and exceed corporate goals. Prior to her current role, she served as vice president of human resources at Independence, and she held senior positions at other leading health care and financial services companies including Commerce Bancorp, Bank of America/FleetBoston Financial, Founders Health Care (Allegheny Healthcare System), Carson Valley School, and the American Red Cross .


  • Pediatric Dental with IBX Bronze Personal Choice is an illusion! I have processed a lot of pediatric dental claims over the past year when the child had no stand alone dental insurance. What a crap shoot! IBX Bronze personal Choice doesn’t seem to understand that pediatric dental is an essential health care benefit that MUST be covered as an embedded service under medical insurance when there is no stand alone dental insurance. The way IBX Bronze Personal Choice is getting out is they say : “We are REASONABLY ASSURED” that the child can obtain stand alone dental so we don’t have to pay up to the FED VIP level for ACA madated pediatric oral essential health care benefits. Most parents don’t purchase a stand alone dental policy for their children. It is an afterthought for them and the added cost of dental insurance is redundent when pediatric oral health is supposed to be covered by the medical insurance anyay. IBX is “reasonably assured” the kids don’t have supplemental stand alone dental! The only way that Medical Insurers will understand how this works is to loose their status as a qulaified Health Plan. Then the plan will not be able to be sold on the marketplace. Please CC my comment to my friend Dan Hilferty, CEO IBX.

    Kind regards, James P Murphy DMD, Diplomate, American Board of Pediatric Dentistry. Father of eight children

  • Avatar IBX Insights Team says:

    Hi Dr. Murphy. Thank you for your comment. May I ask you to provide your info to so that we can have a representative reach out to you directly? Sincerely, Allison K.

  • Thank you for your response. I have already communicated with the aforementioned entity.

    Kind regards,

    Dr James Murphy

  • Avatar Kelly Sarianos says:

    Is my daughter (age 8) covered for an eye exam at any doctor? Thank you.

  • Avatar IBX Insights Team says:

    Hi Kelly, good question! Can we please have your member number and contact info so we can reach out to you with more info on this? Please submit to and a rep get in touch. Thanks, Alison K.