Things To Consider When Buying Dental Insurance
A balanced diet, good oral hygiene, and frequent dental checkups can prevent many dental problems in children. A study found that children with dental insurance were twice as likely to receive treatment as those without. Additionally, children with poor oral health perform academically worse and miss school more frequently than their healthy counterparts. Look for the following qualities when purchasing an insurance policy:
Does Your Child Need Glasses
Does your child squint, sit too close to the TV, lean in just a little too much to the laptop, or rub their eyes a lot? It could mean they need glasses. Keeping your eyes peeled for these signs could warrant a trip to the optometrist, as vision issues can affect learning.
The Canadian Association of Optometrists recommends that children have their first eye exam between the ages of six and twelve months, then annually throughout their school years.
Up to 4% of children have amblyopia, which is sometimes called lazy eye. This can be treated with vision therapy, eyeglasses, contacts and more.
The next trick is getting toddlers and preschoolers to actually wear their eyeglasses, which is easier said than done! Setting an example by wearing your own can help. As they get a little older, the value of eyeglasses as fashion items may turn the tide on their eyeglass-avoidance.
As with braces, the world of eyewear has also changed to make kids want to get and wear them. Childrens eyeglasses are now available in everything from sparkles and bright colours, to childrens superheroes and comic book characters.
Plans such as Manulife Flexcare® Health and Dental Insurance Plans can help protect you against routine and unexpected expenses including eyeglasses, dental care, prescription care and more.*
*Conditions, limitations and exclusions apply. See policy for details.
Dental Insurance For A Baby Can Cover Unexpected Problems
Once babies get teeth, those teeth can also get damaged in accidents. With all the crawling, playing, and exploring that babies do, they can occasionally fall out or break a tooth. Nearly 50% of children will have some form of oral lesion during childhood. Chipped teeth, cracked teeth, and other oral injuries can lead to more serious complications, which can be prevented with early intervention.
These types of injuries can be expensive to repair, but dental insurance can often help you save on the cost of pediatric dental treatment.
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How Does Dental Insurance Help
Dental insurance is there to help offset the cost of your childs oral care. A regular check-up can cost hundreds of dollars, but with insurance you would only be paying a small portion of the total.
Its also a great way to keep track of how often you need to see a dentist. You can schedule your appointments according to what your dental plan dictates.
One thing to keep in mind is that your dental insurance plan will have a yearly maximum. By monitoring your childs oral health regularly, your costs will likely stay well within that maximum.
Without regular dental check-ups, ECTD can get so serious that a child may need to have dental surgery to have damaged teeth taken out or repaired, sometimes even in the hospital and under anaesthetic.
Orthodontic services may or may not be covered under your dental insurance. For those with growing families, it is a good feature to consider to offset the high costs of specialized dental care.
Get Access To Dental Care For Your Babys Oral And Overall Health
Babies can develop cavities before they can even walk. And its important to care for baby teeth, which can lead to healthy, strong adult teeth. Teeth usually come in around six months, but they can emerge as early as three months. As soon as your baby has at least one tooth, you and your childs dentist will want to watch out for cavities.
Your childs dentist will check your babys gums, teeth, and bite to make sure everything is in order. He or she can spot early signs of cavities, gum irritation, or misaligned teeth. Your childs dentist may recommend preventive services, like cleanings or fluoride treatments.
A dental visit also lets you ask questions about your babys teeth and get advice on brushing and flossing. Yep, just like you, your baby needs daily oral health care.
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Can I Get Dental Insurance For Just My Child
For children to be eligible for coverage under a Spirit Dental & Vision plan, the primary applicant must be 18 years of age or older. Child-only plans are hard to come by, as many add their child to their private insurance plan. If you are looking for child-only dental plans, they are available with Denali Dental & Vision or Magnum Dental.
Have Dental Insurance Ready For Your Babys First Visit
Babies! They need so much care. As a parent you do it every day change a diaper, help them eat food, teach them to walk. What is the reward? As a parent you know that there is no greater gift you can receive from your children than their happy smile.
Every child is unique, and so are their teeth! They are one of a kind, and should last a lifetime. And they can, with good preventative care.
Just as you teach your children to walk, it is important to teach them to take care of their teeth until they are old enough to do it on their own. Dental problems uncovered in childhood are usually easier and ultimately less expensive to treat with early discovery. Thats just one reason that the Canadian Dental Association recommends starting visits to a dentist early and continuing them regularly throughout your childs growing years.
Want more information? Read this blog: Encouraging Good Dental Habits In Children
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Baby Dental Insurance Insights
The costs of caring for a baby can really add up. Dental insurance can help you keep your children healthy and save on a few of the associated costs. If youre planning on following the American Dental Associations advice by taking your baby to the dentist early and regularly, dental insurance can help you save on the cost of preventive treatment. It can also help you cover a portion of the costs of unexpected dental problems that may arise.
If you already have a dental insurance plan, contact your carrier or employer about adding your infant to your plan. If you dont have any dental coverage yet, now might be a good time to purchase dental insurance to cover you and the rest of your family.
Weve compiled a few resources to help you purchase baby dental insurance that best fits your budget and your coverage needs.
How Much Is Vision Insurance For Kids
The amount you pay for your childs vision insurance relies solely on which plan you choose.
As previously mentioned, CHIP coverage and eligibility are determined by individual states. Typically, the sign-up fee for coverage ranges from $0 to $50, with copays being anywhere from $3 to $25, depending on the household income. To get a more accurate estimate, apply your child for CHIP in your specific state.
Coverage cost for insurance through the Affordable Care Act depends on a few factors, like which level of coverage you choose and your annual income. Enroll for coverage under the ACA to find out how much vision coverage would cost for your child.
UnitedHealthcare has individual vision coverage for as low as $16 per month, with $10 copays and a frames or contacts credit of $150.
Davis Vision has similar pricing with individual vision reaching less than $14 per month. In-network copays are $10 and a $130 allowance is given for eyeglass frames.
Humana vision coverage isnt offered everywhere, so check your locations availability. They have a $15-per-month plan with a $15 copay and $150 allowance for glasses or contacts.
VSP has a very large network, which makes them an attractive option because the larger the network, the more choices you have. They offer plans as low as $13 per month, but their Standard Plan is $17 per month with a $15 copay and $170 credit for your preferred method of vision correction.
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Treatments For Cavities And Gum Disease Are Covered
Dental decay is considered a common condition amongst kids in the United States. Left untreated, it can lead to toothaches and, worse yet, infections. Over time, your son or daughter might even have trouble eating and speaking.
According to the Centers for Disease Control and Prevention , roughly 20% of kids between the ages of 5 and 11, and 13% of kids between 12 and 19, have at least one tooth exhibiting untreated decay.1
Did you know that your child could develop cavities even in their baby teeth? Referred to as early childhood caries , and also known as baby bottle tooth decay, this condition can wreak havoc on your little ones teeth, so its important to seek the help of a dentist who can provide appropriate treatments. Your dentist can even give you tips on how to prevent further decay. And, once the permanent teeth grow in, its still important to see the dentist, as those are the pearly whites that your child will have for the rest of their life.
Treating problems like gum disease and cavities can help ensure that your childs chompers will remain healthy as they grow. Your dentist can perform cleanings, fill cavities, and recommend sealants, and the right insurance plan could help cover the costs of expensive treatments so you dont have to break the bank to keep your kids teeth shiny and strong.
Choosing A Baby Dentist
If you need to find a dentist for your child, we have an online tool that makes it easy for you. Several factors must be taken into account to make the right choice for your child.
Most importantly, whether you choose a pediatric dentist or a family dentist with experience treating children, your child should feel comfortable. A visit to the dentist can be a positive experience without fear or anxiety.
Ask your dentist about the costs and insurance. This way you know when to add a child to your dental insurance or whether it is cheaper to pay out of your pocket.
Starting kids early with a visit to the dentist is the smartest thing to do. Good oral health is important for a childs overall well-being and self-esteem. Insurance coverage is one way to make that happen.
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Should My Child Have Dental Insurance
Welcoming a newborn into the family is a time filled with lots of joy and more than a little stress. Dealing with a babys day-to-day needs can keep you plenty busy. But you also want to take early steps to ensure your childs future, and smile, is bright.
While your child doesnt need dental care immediately, you do want to set them up for a lifetime of great oral health. Dental insurance can help make dental care affordable for adults, but is it a good option for children? Lets take an in-depth look at dental insurance and other potential ways to save on dental care for children.
Which Types Of Dental Insurance Cover Everything
Are you looking for the best dental insurance that provides complete coverage for every sort of dental disaster? As in no matter what kind of treatment you may need, now and into the foreseeable future, your dental insurance will reimburse you for virtually all of the cost?
Frankly, you have a better chance of finding a polka-dotted unicorn hiding under your bed that you do of locating this sort of dental insurance.
Or perhaps your needs are less aspirational. You want dental insurance that covers braces for your three kids. Youre a baby boomer who needs a significant number of dental implants and probably a bone graft to support them. Or your gums may need some quality time with a periodontist, or perhaps you’re considering dentures. Whatever the issue is, youre looking for a dental insurance plan that covers everything in that you need help managing the high cost of an extended treatment plan.
Dental insurance plans that come the closest to the description covers everything are typically referred to as indemnity or fee-for-service dental insurance plans. They typically cost at least twice as much as more restricted plans – $780 a year for an individual for a plan that has a maximum annual benefit of $2,500 compared to $350 a year for the typical dental insurance plan with a maximum annual benefit of $1000-$1,500. And the fees you pay for treatment at your dentist may be higher too.
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What If I Dont Have Employer
Dont worry. Many people are employed without dental coverage. Other options are available for affordable dental care.
Childrens dental benefits are provided through Medicaid and the Childrens Health Insurance Program. As part of the Affordable Care Act, CHIP enrollees are being transitioned into Medicaid. Applications for Medicaid and CHIP are accepted all year long.
Children enrolled in Medicaid are eligible for a variety of minimum services including pain relief, tooth restoration, and overall dental health maintenance. Medicaid / CHIP dental providers and benefit packages vary by state. The website insurekidsnow.gov provides a complete list of options.
Average Cost Of Dental Procedures With And Without Insurance
Finding out the average costs of common dental procedures is a must, especially if you dont have insurance. The good news is that even without insurance, there are ways to get affordable dental care for your family. Below is an overview of the average cost of common dental procedures with and without insurance.
At Kool Smiles, we can answer any questions about the cost of typical dental procedures, regardless of your insurance situation.
- We accept many payment options, including cash, credit card or CareCredit.
- We also accept most insurance providers, Medicaid and Tricare for general dental care.
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With Spirit Dental Your Kids Are Covered
Kids need dental care, too! Did you know that experts recommend taking your baby to the dentist for their first checkup by the time theyre just one year old? Thats why Spirit Dental offers plans that are suitable for your entire family, including the smallest and youngest members of your household.
At Spirit, we believe that starting early is the key to long-lasting oral health. Sure, you can brush your kids teeth and gums daily, but thats only one step that you can take to ensure those teeth will remain healthy. Nothing beats the expertise of a dentist who knows how to thoroughly examine a youngsters mouth for early signs of problems.
Periodic checkups, combined with oral health education, is the ideal strategy when it comes to preventing dental issues before they start. Plus, getting your child used to trips to the dentist can help them establish habits that theyll take into adulthood.
While we dont have specific dental insurance for kids, all children are covered when you opt for a family insurance plan. And, once youre enrolled, all of the major plan details will be the same for everyone whos on that plan.
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What If I Cant Afford Health Insurance
You have options before giving birth if you are having a difficult time affording health insurance. Even if you dont think you qualify based on income for programs like Medicaid, you should still apply because you may be more likely to receive coverage if you are pregnant. With Medicaid, you dont have to wait until the annual open enrollment period to apply and enroll you can enroll in coverage at any time of the year if you qualify.
Additionally, there are facilities such as Planned Parenthood that sometimes offer prenatal care at lower-rates depending on your income.
If you dont have health insurance and arent planning on getting health insurance, you can look into applying for CHIP. The Childrens Health Insurance Program is a way to get health insurance for families who have a difficult time affording health insurance for themselves or health insurance for babies or older children.
While CHIP coverage varies state to state, CHIP provides coverage for the following services in all states:
- Dental and vision care
- Inpatient and outpatient care
Orthodontics For Kids Are Also Covered By Spirit Dental
As your kids permanent teeth come in to replace the baby teeth, you might notice that they arent growing properly. For example, the teeth might be crowded or crooked, or there might be too much space between them. Beyond that, the bite might not be in proper alignment if theres an overbite or an underbite. In all of these cases, failing to fix the problem might lead to complications in the future, and your child wont have the lovely smile that they deserve.
With a Spirit Dental plan, you can rest assured that, if your child needs braces, youll be covered. And thats important because, on average, braces could cost anywhere from $3,000 to $7,000!
If youre interested in learning more about dental insurance for childrens orthodontics, .
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Where Can I Get Dental Insurance For My Kids
Spirit Dental & Vision plans are great for children, and our family plans provide coverage for all your dependents, whether you have one or 5+ children!
*Spirit Dental is not a child only dental plan. This plan requires the main applicant to be at least 18 years of age to be eligible for coverage. Minor children between the ages of 0 and 17 may apply for coverage, as long as a parent or legal guardian is enrolling in the dental plan. Our Denali Dental plan DOES have a Child-Only option. To get a quote for a Child Only plan, please visit the following website: Denali Dental.