DH and I are of course switching to the family health plan once Gabriel gets here. My question is, what do we need to do about dental? Our HR person said we have to get it as soon as he is born, but he won't even go to the dentist until he's what...4 or 5?? She says the wrong thing A LOT, so I wanted to see what you guys have heard on this.
Re: s/o BCBS insurance...
My almost 4 year old niece has been going to the dentist since she was 2 and a half.
On the same lines those of you that have kids already does your pedi tell you to brush your child's gums?
It's not unheard of with dental plans. Maybe you can ask someone else in HR just to make sure.
When I actually worked at BCBS, they didn't have an open enrollment for dental every year like they did for health insurance. So marriage or the birth of a child were the only times you could add a dependent. Otherwise, you had to wait for an open enrollment and there was no schedule so you really had no idea when it would be. There premiums were pretty minimal so I went ahead and added DH when we got married, just in case.