Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Under the Affordable Care Act's essential health benefits rules, adult dental and vision coverage in individual and small-group plans is generally:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The essential health benefits package requires limited pediatric dental and vision coverage, but adult dental and vision are optional. Insurers may offer adult dental and vision as stand-alone products or supplemental riders, and many major medical plans exclude them or add them separately. This distinction matters because agents must accurately explain what is and is not embedded in an ACA-compliant health plan so consumers do not assume adult dental and vision care are included.
Why the other options are wrong
- B) Only limited pediatric dental and vision are mandatory under EHB; adult coverage is not treated the same way.
- C) Adult dental and vision are not prohibited; they simply are not required to be embedded in the EHB package.
- D) The EHB requirement applies to commercial individual and small-group plans, not to Medicare Advantage.
Memory hook
Pediatric teeth and eyes are mandatory; adult dental and vision are optional.