A parent's guide to finding the right dental insurance for kids

Josh

February 14, 2024

As guardians of your child’s well-being, you want to make sure you have all the right tools to ensure every aspect of their health, including their precious smiles. Finding the right dental coverage is a great place to start when it comes to starting your child’s healthcare journey. Let’s unravel the mystery of finding the perfect dental insurance for your kids with these tips.

Start early: Just like with preventive oral care, the key to securing the right dental insurance is to start early. Don't wait until your child has their first dental emergency—be proactive in exploring insurance options as soon as possible. Delta Dental of Washington has individual and family plans with varying types of coverage at different premium levels designed to cover you and your kids. Read through the plans here.
Understand your needs: Every family is unique, and so are their dental needs. Consider your family's dental history, the number of children you have, and any specific orthodontic needs. Understanding your requirements will help you tailor your insurance coverage accordingly.
Coverage for preventive care: Look for insurance plans that cover preventive care without breaking the bank. Preventive services like cleanings, check-ups, and sealants are essential for maintaining good oral health. A comprehensive plan should encourage regular dental visits. Delta Dental of Washington believes in the power of preventive care so all our plans include cleanings at no or low cost – no matter the plan.
Orthodontic coverage: If you have older kids or anticipate orthodontic needs in the future, investigate whether the dental insurance includes coverage for orthodontic treatments. Braces and other orthodontic procedures can be significant expenses, so having coverage for these services can be a game-changer. Delta Dental of Washington offers the Plus Ortho Plan, which is designed to cover you and your family’s orthodontic needs.
Check network dentists: Ensure that the dental insurance plan you choose has a network of reputable and qualified dentists in your area. Having access to a network can streamline appointments and make it more convenient for your family to receive dental care. Delta Dental of Washington has the largest provider network in the country.
Affordability: Budget considerations are always important. Evaluate the monthly premiums, deductibles, and out-of-pocket costs associated with different dental insurance plans. Striking a balance between affordability and comprehensive coverage is the key.
Emergency coverage: Kids being kids, dental emergencies can happen. Check if the insurance plan covers emergency dental services, including visits to an out-of-network dentist in case of urgent situations.
Read reviews and ask for recommendations: Take advantage of online resources to read reviews of different dental insurance plans. Additionally, ask friends, family, or your child's dentist for recommendations based on their experiences. Real-world insights can be invaluable in making an informed decision.
Customer service matters: Dental insurance is not just about coverage; it's also about the support you receive. Assess the customer service reputation of the insurance providers. A responsive and helpful customer service team can make navigating insurance matters much smoother.

There you have it, parents—your guide to finding the perfect dental insurance for your little ones. By considering your family's unique needs, coverage options, and budget, you can make a well-informed decision that ensures your kids have access to the dental care they deserve. Here's to smiles that are both healthy and financially protected!