State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Under California law, coverage for adults' dental and vision services in a health insurance policy is generally:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Adult dental and vision coverage are optional benefits in California. Health insurers may offer them as part of a policy or as separate stand-alone products, but they are not mandated. By contrast, limited pediatric dental and vision services are an essential health benefit that ACA-compliant plans must include for children. The distinction is important: mandates apply to children's oral and vision care, while adults may purchase dental and vision coverage only if the carrier elects to offer it.
Why the other options are wrong
- A) It is the limited pediatric dental and vision benefits that are a mandated essential health benefit, not adult coverage.
- B) Adult dental and vision are not prohibited in group policies; they are commonly offered as optional group benefits.
- C) Age 65 has no bearing on the availability of dental and vision coverage in regular health policies; Medicare does not cover routine dental or vision care.
Memory hook
Kids' teeth are mandatory, adults' teeth are optional. EHB mandates stop at the pediatric benefit.