TopConsumerReviews.com is a world-leading consumer product review site. We provide detailed reviews and ratings for thousands of products and services.

 

Go To Reviews >

Should Children Have Dental Insurance?

Many people are under the assumption that because children have primary teeth, that dental care for those teeth is not important. After all, the first set of teeth will eventually fall out, making way for the secondary - or permanent - set of teeth. Those are the teeth that should receive the utmost care, right?

Wrong.

The American Dental Association stresses the importance of taking care of "baby" teeth. Most children begin to grow their primary teeth at around 6 months of age. Primary teeth play a vital role in not only helping the child to chew and eat more solid food, but to also help the child to speak properly. Primary teeth also serve as a means of holding a spot for the more permanent teeth, helping to provide adequate spacing when the secondary teeth arrive. By the time a child reaches age 3, he or she should have a full set of 20 primary teeth.

Failure to properly care for primary teeth can lead to a slew of problems for children as they get older, including speech impediments, tooth decay and improper spacing/alignment.

Within six months of a child's first tooth appearing, the ADA recommends that a professional dentist examine the child's mouth and existing baby teeth. A dentist will check for cavities, as well as other dental issues that could be occurring. It is a lot easier to fix problems before they develop into more serious issues - and a lot less costly.

Children, like adults, should have their teeth examined and cleaned at least twice annually. Because children are more prone to dental disease such as cavities, items such as dental sealants also may be applied to their teeth to help prevent tooth decay. A routine exam and cleaning generally costs around $100. If it is the child's first visit, or the dentist has reason to suspect underlying issues, a full set of x-rays also may be taken during the visit. This can cost anywhere from $25 to $80 depending on the service area. Sealants, which are applied to help prevent cavities from forming, run between $30 and $60 per application.

It is easy to rack up a large bill at the dentist for your child, which is a solid reason to consider purchasing dental insurance for them. If an employer does not currently provide dental as part of a comprehensive healthcare package, individuals have the opportunity to purchase their own. Cost ranges from $7 to $50 or more a month, depending on the type and scope of services covered.

Most insurance plans for children cover two to three annual exams and cleanings per year, as well as the tooth sealant to protect the teeth from decay. Fillings, root canals and other routine dental procedures generally are covered anywhere from 50 to 80 percent. Whether the individual must meet a deductible or is responsible for a co-payment depends on the type of dental insurance plan purchased. Cosmetic procedures such as orthodontics and teeth whitening are not covered by most dental insurance plans.

Still not sold on the idea of purchasing dental insurance for your child(ren)? Consider this: a provision within the 2010 Affordable Care Act may not give you a choice. According to the act, all children will be required to have dental insurance by 2014. At this time, it is unclear whether that coverage will be provided through state-sponsored dental insurance plans, or if individuals will be required to purchase it for their children out-of-pocket.

Go To Reviews >

Top Consumer Reviews Articles

TopConsumerReviews.com provides unique articles that you won't find anywhere else on the internet. These articles are designed to help you make the most informed decisions possible.


Dental Insurance In The News

Does Dental Insurance Cover Dentures

Most full dental insurance policies include some restorative coverage, usually meaning that up to 50% of the cost of dentures is covered. Regular deductibles and co-pays still apply, so the actual cos...

Published:  Sun, 18 Nov 2018 19:30:00 GMT



How U.S. seniors on Medicare can bridge the gap in dental insurance

CHICAGO (Reuters) - During a recent visit to my dentist, we got talking about his frustrations with Medicare. "It's amazing - they have managed to eliminate teeth from the human body." Here is what he ...

Published:  Thu, 15 Nov 2018 03:16:00 GMT



Drugs, mental illness, lack of insurance wreak havoc on inmates' teeth

McLean, a Fargo Cass Public Health employee contracted to work at the jail, supervises the nursing staff there and coordinates medical and dental care for inmates at Family HealthCare in Fargo. She sa...

Published:  Mon, 19 Nov 2018 05:08:00 GMT



Dental and vision insurance: Wellness benefits

According to PricewaterhouseCoopers' Health Research Institute's annual report, poor wellness and prevention habits are once again expected to drive up medical costs in 2019. Rising health care costs ...

Published:  Fri, 16 Nov 2018 08:03:00 GMT



Delta Dental Community Care Foundation awards $30,000 grant to Western University of Health Sciences

... Care Foundation is the philanthropic arm of Delta Dental of California and its affiliated companies including Delta Dental Insurance Company, Delta Dental of New York, Inc., and Delta Dental of Pe...

Published:  Mon, 19 Nov 2018 00:55:00 GMT



Key Insights of Future Prospects of Dental Services Market During 2016-2026

Dental clinics is anticipated to be the end-user holding lion's share in dental services market. Rising mergers and collaborations between insurance companies and dental clinics is expected to create ...

Published:  Mon, 19 Nov 2018 05:05:00 GMT



Partners in Business 2019 Manual, Chapter 17: Health and Income Insurance

Complicating this health picture for many owner-operators is inadequate health insurance coverage. The average owner-operator who spends money on health, dental and vision insurance pays about 8 perce...

Published:  Mon, 19 Nov 2018 08:19:00 GMT



On the move at Delta Dental, UA, Tempe Chamber, Esperaní§a

Prior to joining Delta Dental of Arizona, Hess served as the interim director at the Arizona Department of Insurance, where she was responsible for directing and managing the operations of the ...

Published:  Fri, 16 Nov 2018 06:41:00 GMT



MDS Partners with Bento to Provide Insurance Alternative

The Massachusetts Dental Society (MDS) has named Bento, a dental benefits management software platform, as an exclusive partner to provide its members an alternative to insurance. Bento is designed to ...

Published:  Fri, 16 Nov 2018 13:48:00 GMT



The only dental relief for many in this West Virginia county is extraction

A disproportionate amount of residents here rely on medicaid and medicare as their primary health insurance. Because those programs don't cover dental in a meaningful way it's led to a dental health c...

Published:  Sat, 17 Nov 2018 14:16:00 GMT




- View Full Site -