Dental Insurance 101: Are My Kids Covered?

​Health insurance is a necessity that you must have, especially if you have little kids. And the most common plans affecting kids are vision and dental coverages. In this article, the focus will be on children's dental coverage.  

You have your general health plan and you might be asking: "Is my kids' dental care covered?". The answer depends on your plan and eligibility. It would help if you remembered that your coverage depends on your purchased or company-purchased insurance. Thus, it's best to ask your insurer or HR about it. 

This article will provide you with basic information about your kids' dental insurance.

​Add Your Kids As Dependents
You can add your kids as your insurance dependent during open enrollment. But, you must also talk to your adviser or HR if you're going to make changes or add a dependent. They will be the ones to tell you when you can do such necessary changes to your plan. 

Meanwhile, a dependent can be your child or someone who solely depends on you for food, shelter, and day-to-day expenses. Your kids can be your dependent until they reach 26 years old. However, when they reach 19 years old, they are no longer qualified for the pediatric benefits your plans have. 

Possible Coverages Of The Dental Policies 
Like any other health insurance, dental policies' offerings differ depending on the plan and the state. 

However, a usual policy will cover your kids' or your dental exam twice yearly. In addition, it may also provide coverage for teeth cleaning, X-rays, and fluoride treatments. Basic plans may also handle some portion of the braces' cost. 

You can also check in with your HR or insurer to clarify what your plan does cover. 

Conclusion
Knowing if your dental insurance covers your children is a huge help, especially when planning for dental care. You can also better manage the costs you'll be spending for their dentist visits and checkups. This means you can plan what procedures your kids must get. 

Of course, if you don't know it beforehand, the best next move is to call your insurer and confirm the coverage. If they are included, be sure to ask when you can include them in the plan. 

At Hyde Insurance Group, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (888) 345-1215. Get your free quote today by CLICKING HERE. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.