Friday, July 1, 2022

When Do Babies Need Dental Insurance

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Get The Dental Care Your Baby Needs

FAQ Do I Need Dental Insurance

Did you know that your baby should visit the dentist? The American Academy of Pediatrics recommends booking an appointment by your childs first birthday or first tooth, whichever comes first.

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 inflammation and 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.

Children Should See The Dentist By Their First Birthday But Having Dental Insurance Earlier Can Help With Dental Costs

If you dont have dental insurance provided through an employee-sponsored program, you can still get an affordable plan directly from an insurance provider. But if you have a family with small children, you might be wondering: do infants need dental insurance?

Dental insurance can help pay for a portion of dental costs for any covered individual, even babies. Cavities can occur as soon as a baby has its first tooth and while baby teeth arent permanent, theyre still crucial to good development and oral health.

Luckily, adding a baby to your individual or family dental plan is usually rather affordable and straightforward. Learn how to find a baby dental insurance plan to help you save on the cost of pediatric dental care.

Pros And Cons Of Fep Dental Plans

FEP dental plans can make paying for dental services more affordable for qualifying individuals. The federal government developed the Federal Employees Dental and Vision Insurance Program to provide dental insurance coverage.

This program is for employees of several federal government departments. Coverage comes with the following classes of benefits:

  • Class A – This class includes basic dental services such as cleanings, X-rays and exams.

  • Class B – Involves more complex procedures such as oral surgery.

  • Class C – Involves major procedures such as implants, crowns and root canals.

All benefit classes have a Standard Option as well as a High Option, with the later offering higher coverage for dental expenses. For example, the High Option covers 70% of Class B expenses, while the Standard Option only covers 55%.

The only major downside of this dental insurance plan is that you will only qualify if you are a federal employee in some capacity. Retirees from federal departments may also qualify.

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At What Age Do Babies Need Dental Insurance

The American Dental Association recommends bringing your baby to the dentist soon after the first tooth comes in and no later than the childs first birthday¹. This may sound rather early, but as soon as your babys teeth break through the gums, theyre at risk of developing cavities.

So, when do babies need dental insurance? You may want to consider purchasing dental insurance coverage for your infant shortly before taking them to the dentist for the first time, if not sooner. Dental insurance can help you save on the cost of preventative care, including pediatric dental checkups, cleanings, and X-rays. Guardian Direct® dental insurance plans cover preventative care at 80-100% with no waiting periods. On the other hand, if you dont have dental insurance, youll typically be responsible to pay the full cost of any preventative services received.

If your child happens to develop early childhood caries or experience a dental injury, dental insurance may help cover a portion of the cost of treatment for those conditions as well. But keep in mind that coverage for this sort of treatment is often subject to waiting period requirements of 6-12 months, and maximum benefit amounts the sooner you purchase dental insurance for your infant, the sooner theyll be covered if they require dental treatment.

What Is The Best Dental Insurance 2019

Do Babies Need Dental And Vision Insurance

The 5 Best Dental Insurance Providers of 2019

  • Best for Family Plans: UnitedHealthOne Dental Insurance. Courtesy of United Healthcare.
  • Best for Families on a Budget: Delta Dental Insurance. Courtesy of Delta Dental Insurance.
  • Best for Discounts: Humana Dental Insurance.
  • Best for Global Coverage: Cigna Dental Insurance.
  • Best for Rewards Programs: Ameritas Dental Insurance.

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Caring For Your Babys Teeth

You can start caring for your babys teeth healthy from the time that you are first pregnant. You want to make sure you yourself have good oral hygiene, and you get checked by your dentist for any issues as you are pregnant.

After your baby is born, you can help to develop good oral hygiene for your little one by caring for them as they grow.

If your baby is feeding on the bottle, you want to make sure not to leave the bottle in their mouth.

Tooth decay can start from a young age, so you want to make sure that you stay ahead of it. From the first time that a tooth erupts, anything can start to happen.

You want to make sure that you have a good process with your child as far as their oral health is concerned and speak with the dentist about any concerns that you may have.

Dental Care For Young Children: 6 Things To Know

Your pediatrician should address dental health: A childs doctor should address the basic issues of oral hygiene. Many primary care physicians can apply a protective fluoride varnish to a childs teeth around age 9 months. Pediatricians are also a great resource to ask for a referral to an infant-friendly dental practice, if needed.

But its no substitute for a dental exam: Although family doctors can offer a basic oral assessment, their ability is limited. A dentist is trained to identify signs of early decay and provide preventive services to stop the dental disease from progressing, Goodson says. Believe it or not, due to a childs diet, tartar can start developing at a very young age.

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Humana Offers Family Dental Plans

If youre a current Humana dental plan member, you may be able to add a dependent to your plan at any time. If youre looking for a family dental plan, Humana offers a broad range of plans with varying levels of coverage, many with low monthly premiums. To see plans and prices in your area, check out our Humana Insurance Company dental insurance page.

Comparison Of Dental Insurance Plans

Dental Care for Your Baby and Toddler

CC0/Free-Photos/Pixabay

The high cost of dental care across the country can be downright mind-boggling. True, the costs you incur on dental care will depend on where you live, but many consumers would concur that costs are too high. Further compounding the hit to the consumer’s pocket is the fact that many employer-funded health insurance plans pointedly omit dental costs. In other words, you are on your own when you get that hefty bill for a root canal and costly dental crowns.

To help remedy the situation, you should begin looking at some insurance plans specifically for dental care. You will find them from major insurance organizations like Humana, Cigna, Delta Dental, and Careington. To save even more on dental costs, you can subscribe to discount dental plans from organizations like Avia.

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Does a newborn need dental and vision insurance coverage?

Do Babies Need Dental Coverage

Your new baby has finally arrived. Youve stocked up on baby clothes, installed an infant car seat and added your little one to your medical coverage. But have you thought about dental insurance? Dental coverage is an important way to protect your babys health. If dental coverage isnt on your new baby checklist, here are three reasons to consider it.

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Dental Insurance For A Baby Can Encourage Healthy Habits For Life

Research has shown that oral health is linked to overall health and that dental insurance plays a role in helping you maintain good health. Americans with dental benefits are more likely to go to the dentist, take their children to the dentist, receive restorative care, and experience greater overall health. Individuals without it are more likely to have extractions and dentures and less likely to have restorative care or receive treatment for gum disease. In addition, those without dental benefits are more likely to have other illnesses, including heart disease , diabetes , and general bone decay .

Good dental hygiene is also linked to healthy habits, and good habits should start as early as possible. Taking your child to the dentist early not only gives your dentist the chance to check for tooth decay and discuss any other conditions or habits, but it also helps you establish that good oral hygiene is a priority in your family. In addition to taking your child to the dentist, you should also start brushing your childs teeth with a childrens toothbrush as soon as the first tooth comes in to develop healthy habits and prevent oral disease.

How Common Is Embedded Pediatric Dental

Does your baby need dental coverage?

The American Dental Association conducted an analysis of embedded dental coverage in health insurance plans sold through the exchanges in 2015. They studied 40 states, although only three of them had their own exchanges. The study found that in 27 of the states, dental benefits were embedded in less than half of the available health plans and in three states, dental benefits werent embedded in any of the plans.

Of the plans that did include embedded dental coverage, the vast majority only included pediatric dental, not coverage for adults. Virtually everyone who wants adult dental insurance must purchase it as additional coverage.

But a more recent ADA analysis of health plans available via HealthCare.gov found that from 2014 through 2016, the number of plans with embedded pediatric dental benefits grew by nearly 50 percent, from 659 plans in 2014 to 986 plans in 2016.

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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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The Best Age To Add A Child To Your Dental Insurance

Health insurance is an obvious concern for most expectant mothers, and it comes up naturally in the course of needing prenatal care and an obstetrician. Few parents, however, think about when to add a kid to dental insurance.

Is it important to have dental insurance for kids? Babies arent born with teeth, after all, and it will be about six months before any start to appear. But dental health is an essential part of a childs overall wellbeing. And while theres no precise rule about when to add them to a dental insurance policy, its best to consider the question before theyre ready for their first visit to the dentist.

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Dental Insurance Options For Your Baby

Dental insurance coverage can help protect more than just your babys teeth it can help protect your finances and help reduce the cost of caring for your entire familys oral health.

Many Americans receive dental insurance coverage through their full-time employer. If you have access to dental benefits through an employer-sponsored group plan, you can add your baby to the same plan you are signed up for in most cases. Check with your benefits department to see if that might be an option for you.

If youre self-employed, unemployed, or dont receive dental coverage through your employer, its still possible to obtain dental insurance coverage not only for your baby but for your entire family. You can purchase individual dental insurance directly from an insurance carrier.

When it comes to choosing an individual dental insurance plan for you and your baby, you have quite a few options. Guardian Direct® offers several dental insurance plans to help you afford excellent dental care for your kids.

With three dental PPO insurance plans to choose from, you can find a plan that suits your budget and your coverage needs.

No need to purchase dental insurance just for your baby any Guardian Direct dental insurance plan can cover you, your spouse, and any dependents, including babies or older children.

Dental Insurance Vs Out

Baby Dental Care

Even if parents understand the importance of taking their young child to the dentist, they may still wonder when to add them to their dental insurance, or if its even necessary. The answer to both questions is different for everyone. Parents must look at the nature of their dental plan and the costs of the insurance premiums compared to what a dentist will charge.

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Keep Your Family Smiling

The best thing you can do for a childs oral health is to get dental insurance and schedule visits based on the dentists recommendations. Talk to us today about your dental insurance coverage needs. We will work with you to find the best possible coverage within your budget for your healthcare needs.

Dental Care For Children With No Insurance

If youre not sure whether purchasing dental insurance is the right choice for your child, there are options, including dental discount plans and Medicaid/CHIP programs.

Dental discount plans arent insurance but can provide discounts for dental services. Some discount plans also include vision and prescription discounts.6*

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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.

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Protect Your Children’s Teeth At Home

Do Children need Root Canal Treatment?

Here are some tips to protect your children’s teeth:

  • Before teeth come in, clean gums with a clean, damp cloth.

  • Start brushing with a small, soft-bristled toothbrush and a very small amount of toothpaste when your child’s first tooth appears. Use a pea-sized dab of fluoridated toothpaste after 3 years of age. This is when the child is old enough to spit out the toothpaste after brushing.

  • Prevent baby bottle tooth decay. Don’t give children a bottle of milk, juice, or sweetened liquid at bedtime or when put down to nap.

  • Limit the time your child has a bottle. Your child should empty a bottle in 5 to 6 minutes or less.

  • Help your child brush his or her own teeth until age 7 or 8. Have the child watch you brush, and follow the same brushing pattern to reduce missed spots.

  • Limit foods and treats that increase tooth decay. This includes hard or sticky candies, fruit leather, and sweetened drinks and juice. Offer fruit rather than juice. The fiber in fruit tends to scrape the teeth clean. Juice just exposes the teeth to sugar.

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When Should I Enroll My Child In A Dental Insurance Plan

If you decide your child will be well-served by dental insurance, youll want to enroll in the plan as early as possible. Most dental insurance requires a waiting period between enrollment and the start of coverage. The average wait time is about six months.

Your childs first dental visit should occur either after their first tooth appears or by their first birthday, whichever occurs first. Most teeth first appear between six and 12 months. If you enroll your child in a dental insurance plan at birth, its entirely possible theyll need to visit the dentist soon after coverage goes into effect. At the very worst, youll pay for about six months of coverage you might not use.

Another benefit to early enrollment is youll potentially limit restrictions on pre-existing conditions. Most insurance plans dont cover dental problems which existed before enrollment. The longer a person goes without dental insurance, the greater their chance of developing a pre-existing condition which wont be covered later.

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