If they are not covered, or if dental is not an available option, they can purchase coverage on their own. There are three basic ways to get dental insurance for kids. Embedded plans include dental coverage along with all other health benefits at no extra cost.
Bundled plans offer different types of insurance—dental, vision—sold separately by the same carrier as add-ons to the basic health insurance policy. People get to choose with options to add to their bundle.
Stand-alone plans are purchased by themselves, separate from a health plan. They may be available through a medical carrier, or from a stand-alone dental insurance carrier. These three types of plans may differ in the premium price, deductibles, what services are covered, and even which dentists can be seen. For most parents, the deciding factor of when to add a kid to dental insurance will be the premium cost as it compares to potential out-of-pocket costs for the child.
Family plans are usually not quite double that cost, no matter how many family members. For small children who still have their baby teeth, out-of-pocket costs might not amount to much. This is especially true when the child is still an infant. As they get more teeth, and then their permanent teeth, their dental costs can start to add up.
Assuming, of course, that the policy will cover sealants or orthodontia. Ask the dental practice for the estimated cost of various treatments to see how a typical year of expenses will compare to an insurance premium. A big difference in dollar amounts will make the decision to add your child to dental insurance, or not, an easy one. Parents should also read policy details carefully to know what services are and are not covered.
It is important to check whether their chosen dentist accepts their insurance plan. Some plans only cover fluoride treatments, and others are more comprehensive. Generally, standalone plans include coverage for more dental services than those bundled with health coverage. Dental insurance for kids varies by state, company, and the type of plan you buy. Some services that could be included are: 6. Visit HealthMarkets to compare dental plans and features to find the right dental coverage for your family.
Some discount plans also include vision and prescription discounts. Do your research. It can be difficult to know how to choose the right dental insurance for your kid when sorting through copays, deductibles, and premiums. But HealthMarkets makes it easy. We have access to plans from a variety of insurance companies to make sure we can find the right fit. We can even help with dental discount plans, if you prefer to self-pay for services. In offering this website, HealthMarkets Insurance Agency is required to comply with all applicable federal laws, including the standards established under 45 C.
Please visit HealthCare. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces. HealthMarkets Insurance Agency, Inc. Not all agents are licensed to sell all products. Service and product availability varies by state. How It Works Sign up for Spirit family dental insurance online. It only takes a few minutes. Plan Details Coverage is available right away.
No waiting periods for preventive, basic, and major services. Coverage options differ per plan. Make sure to compare before purchase. Guaranteed acceptance. Your monthly premium will be based on several factors, including your zip code, the type of coverage you select, and whether you opt for a Choice or Network plan. Plan Benefits Include: Three cleanings per year Choose your own dentist, including a pediatric dentist for your kids Child orthodontia Interested in getting a quote?
But there is some age-specific information to keep in mind: For children to be eligible for coverage, the main plan applicant must be 18 years of age or older. Applicants must be at least 18 years of age to enroll, and dependent children are eligible up to the age of Additional Resources Need more time to consider orthodontics for your kids?
Does Dental Insurance Cover Braces? Additional Resources Need more information on wisdom teeth? Can I get dental insurance for just my child?
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