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October 2012 Moms
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Dental insurance for baby?

DottyBlueDottyBlue
in October 2012 Moms

DH and I are starting to look into the benefits available at my company for the baby.  I know that children don't need to see a dentist until 2 although they should start brushing once they have teeth.

Do we need dental insurance before 2 years of age?  Perhaps for trauma situations (God forbid)?  What do you plan to do?

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Re: Dental insurance for baby?

  • MichelleL1118MichelleL1118 member
    My insurance guy at work advised me to leave kiddos off the dental insurance until closer to 4/5, when the baby teeth start falling out & the adult teeth start coming in.  He said that, unless your child has some sort of really serious dental issues, for most people it's cheaper to pay out of pocket for the one or two visits/cleanings a year than it is to pay for insurance + copays for those same one or two cleanings.  I took his advice and left DS off the dental insurance for now, and will re-evaluate at next year's open enrollment.
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  • BootsOrHeartsBootsOrHearts member
    If a tooth gets knocked out as a result of an accident or something like that, it would be covered under medical insurance. Same for adults and kids.
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  • lovesgummieslovesgummies member
    I'd recommend finding out what it would cost out of pocket. While I'm sure it's rare, little kids can get cavaties, and could get costly. Like pp said it may be worth the risk but I'd want to know what I'm (potentially) in for. I'm lucky in that our coverage is from birth with no extra cost.
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  • monksmamamonksmama member

    Both of my kids have issues with weak enamel. They both have seen the dentist every six months from when their first tooth came in.  Despite exceptional dental care and cleanliness, both have needed sealants and even small cavities filled as toddlers.

    According to our pediatric dentists, the recommendation that kids don't see the dentist until 3 is horribly outdated.

    I would add your kid to the dental plan as soon as you can. There is no harm in having it there and not needing it.

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  • Sharon&PaulSharon&Paul member

    With our second DD HR recommended we add her at birth. We already had a family plan, so it would not cost anything. I am glad we followed her advise. My DD ended up being a failure to thrive baby due to a posterior tongue tie that was not discovered until she was 3 months old. Medical insurance would not cover the surgery. It was covered with our dental plan and the whole procedure was close to $1,000. We paid the $150 deductible.

    Also we waited until 3 years old for my other DD to see a dentist and she already had 4 cavities. They advised that my second DD start seeing a dentist 6 months after her first tooth.

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