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does your toddler have dental insurance

jml5qjml5q
in Austin Babies

we in open enrollment and i'm trying to decide if i need to add DD to my dental insurance. she hasn't been to the dentist yet, but i do plan on taking her for her first appointment this year.

The extra cost is $338 for the year. any idea how much an OOP dental exam is for toddler?

I'm wondering if some "dental accident" where to happen at this age would it be covered under our typical medical insurance or do i need the specific dental.

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Re: does your toddler have dental insurance

  • mcurbanmcurban member
    imagejml5q:

    I'm wondering if some "dental accident" where to happen at this age would it be covered under our typical medical insurance or do i need the specific dental.

    yes, we do (for both). but, i have the worst teeth in the history of teeth and knew that, if either of the boys got my teeth, we would need it.

    fwiw- when tommy chipped his tooth and there was talk of the root canal, our emergency dental (through our medical insurance) had better coverage than our dental. 

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  • BoxerMommaBoxerMomma
    we added ruby during the last open enrollment period, but have yet to take her yet. oops. i always think of it, but never actually go. 
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  • nanannnanann
    we didn't get it 'til recently ourselves.   we found out of pocket can range 150-250 per regular visit. SO, not that different from your cost if you don't get the insurance right now.
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  • PMBridetobePMBridetobe member
    We added ours as soon as possible because it was the same cost for DH and I as it was for all six of us.
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  • MrsShacklefordMrsShackleford member

    We added DD last fall, for the "just in case scenerio".  As she got her molars, we noticed a black spot on one.  DD has between 5-8 cavities and needs 2 partial root canals.

    Medical ins will cover the anestheisa at Dell and dental covers all the dental stuff.

     I have good teeth, DH has had some issues with cavities, etc.

     I never expected DD to have issues with cavities so early and I am so glad we added DD to ins when we did!

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  • MrsMillerTimeMrsMillerTime
    We added DD for 2011 and took her for her first visit last month.  If I remember correctly, the visit was $150-ish without insurance.  I don't remember how much the extra cost was for adding her, but I was glad to pay the expense "just in case."
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  • balihaigirlbalihaigirl member
    yes.  but it was only about $8/mo to add him.  we haven't needed it yet.  i hope to take him to the dentist in the next few mos.
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  • 2H2L2H2L member
    imageMrsMillerTime:
    We added DD for 2011 and took her for her first visit last month.  If I remember correctly, the visit was $150-ish without insurance.  I don't remember how much the extra cost was for adding her, but I was glad to pay the expense "just in case."
    Same
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  • Angie&DocAngie&Doc

    Yes, both of our kids have it. We enrolled them when we signed them up for medical insurance at a couple of weeks old. We don't pay anything for our dental insurance. It is included with the cost of our medical insurance.

     

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