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5 Reasons You Might Not Think Why Your Child Needs Dental Insurance • Benzinga


Did you know that most of our readers prefer DentalInsurance.com for their dental insurance needs?

You may not have realized it before, but your health insurance plan doesn’t automatically cover dental care. If so, it may not include coverage for your child. You may be able to add dental coverage for your child to your health insurance or purchase separate dental insurance for children.

Keep reading to learn more about dental insurance and why it’s important coverage for your child.

5 Reasons Your Child Needs Dental Insurance

It’s hard enough to find dental insurance for yourself, but don’t forget to include your children in your search. According to the Centers for Disease Control and Prevention (CDC), one in five children between the ages of 5 and 11 has at least one untreated cavity. When it comes to tooth decay, young children are particularly vulnerable. Early detection is therefore essential if you want to protect your child’s oral health in the long term.

Here are five reasons why your child needs dental insurance that you may not have thought of before:

#1: If your child needs braces

Orthodontic treatment can be expensive. If your child needs braces, you should look for dental insurance that covers braces. Orthodontic evaluations, orthodontic procedures, retainers and postoperative treatments are typical orthodontic procedures covered by a dental plan or insurance. Unfortunately, many dental plans don’t cover braces or aligners, so do your research and select the best option for your family’s dental care.

#2: Detect dental problems early

Children should begin dental care early in life because their risk of cavities begins as soon as they have their first tooth. Early dental care can help prevent cavities and tooth decay before they become a problem for your child. Plus, getting dental insurance for your child will help nip problems in the bud before they cause pain and suffering for your little one.

#3: Evaluate your child for possible speech or biting problems

Children’s biting and speaking problems can be detected early by pediatric dentists to determine their oral health and tooth structure. If a child has difficulty chewing or biting, it can have a serious impact on their ability to get the nutrition they need. Dental health is also linked to speech problems. For example, if children cannot pronounce specific syllables, they may learn and develop incorrect sounds and pronunciations, leading to long-term speech problems.

#4: Teach healthy habits

Visiting the dentist at a young age encourages young people to adopt good dental habits, such as brushing and flossing regularly and eating foods that are beneficial for oral health. Your child will learn the value of good oral hygiene from their family dentist. Dental checkups are more bearable for children who have had regular and early visits to the dentist. They also create a relationship of trust with the dentist. As children get older, positive past experiences make it easier for them to cope with dental issues.

#5: Prevent early gum disease

Desserts and sweet treats can be a staple in children’s diets. Combined with irregular brushing and flossing, the consumption of sweets means that infections and bacteria are more likely to occur. Early dental checkups help prevent gum disease by removing bacteria from the mouth before it spreads.

When to add children to your dental insurance

You should purchase a dental insurance plan before your child’s first birthday or six months after their first tooth erupts.

The dentist will do more than just check for cavities during your first visit. Gum checking and bite alignment are also part of monitoring oral health and jaw growth. Additionally, learning to speak and chew solid foods can impact a child’s development.

In addition to regular dental checkups, children may need emergency dental care. Accidents can happen as children become more mobile and explore the world. A baby tooth that has been chipped or pulled out should be taken care of as soon as possible.

A cavity can form at the root of a tooth if there is a break in the enamel of the tooth. Additionally, cavities impact the growth of permanent teeth if a tooth is lost before it is time to fall out. Therefore, dental coverage should be in place by the time a child reaches one year of age to avoid complications later.

Can you take out special dental insurance for children?

A special type of dental insurance for children is orthodontic insurance. Braces may be necessary for your children’s dental health if they are bent, spaced incorrectly, or do not meet properly. Braces can cost up to $6,000.

If your child has any of the following symptoms, orthodontic treatment is considered medically necessary:

  • The bite is hampered when the teeth are too far apart.
  • Biting with an overbite causes the lower front teeth to rub against the roof of the mouth.
  • Biting or chewing is hampered by a misalignment of the jaw or teeth.

A children’s orthodontic insurance plan can significantly reduce out-of-pocket expenses associated with medically essential orthodontic treatment for children.

Does Medicaid manage dental care?

If your child is covered by Medicaid or the Children’s Health Insurance Program (CHIP), dental services are provided, including early detection, diagnostic services, and some dental procedures.

Children’s dental care must contain treatment and care for:

  • Pain and Infection Relief
  • Teeth whitening and repair
  • Maintain good oral health

Children eligible for Medicaid and CHIP must have access to dental care, but states can decide whether or not to offer the same coverage to adults. For more information about how Medicaid/CHIP dental services can help children, see the Medicaid/CHIP Oral Health Services Fact Sheet.

Compare children’s dental coverage

Here are Benzinga’s top picks for the best children’s dental insurance providers. You can compare quotes side by side to find the best dental coverage for your whole family.

Frequently Asked Questions

Does my child need dental sealants?

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Does my child need dental sealants?

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Janet Hunt, insurance agent

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Dental sealants can ward off cavities for a long time. Putting dental sealants on the chewing surfaces of posterior teeth stops about 80% of cavities.

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Benzinga

Should I give my child fluoride supplements?

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Should I give my child fluoride supplements?

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Janet Hunt, insurance agent

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If your drinking water does not contain enough fluoride to prevent your child from getting cavities (0.7 milligrams per litre), ask a dentist, pediatrician, nurse or doctor if your child needs oral fluoride supplements. fluoride, such as drops, tablets or lozenges. These supplements can help your child stay healthy.

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Benzinga

To determine the best dental insurance providers, we scoured every carrier in the United States. We have winnowed the list by only including companies that have a large coverage area and a wide range of products. To further break down the list of the truly best dental insurance providers, we’ve given weight to carriers that offer discounts, are available in all states, and have multiple payment plan options.

Get 10% off any dental savings plan at DentalPlans.com. You can reduce your dental costs by saving 10-60% at the dentist!


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