Dental Insurance for Kids: Everything You Need to Know

Kids need to see a dentist regularly, but dental visits can be expensive without insurance. That’s why many families opt for dental insurance plans to help cover the costs of routine and emergency dental care. If you’re considering dental insurance for your child, here’s everything you need to know.

What is Dental Insurance for Kids?

Dental insurance for kids is a type of insurance that helps cover the costs of routine and emergency dental care for children. It can help pay for things like checkups, cleanings, and fillings, as well as orthodontic treatment if necessary. Dental insurance can be purchased separately or as part of a comprehensive health insurance plan.

With dental insurance, you’ll pay a monthly premium to the insurance company in exchange for coverage. The amount of coverage you receive will depend on the plan you choose and the level of benefits it offers.

What Does Dental Insurance for Kids Cover?

The specific coverage offered by dental insurance for kids will vary depending on the plan you choose. However, most plans will cover the following:

Preventive care (checkups, cleanings, etc.)
Usually covered at 100%
Basic procedures (fillings, extractions, etc.)
Usually covered at 80-100%
Major procedures (crowns, root canals, etc.)
Usually covered at 50-80%
Orthodontic treatment
May be covered at 50-80%

Note that there may be limitations on the amount of coverage you receive for certain services, and some services may not be covered at all. It’s important to carefully review the details of any dental insurance plan you’re considering before enrolling.

What Are the Benefits of Dental Insurance for Kids?

There are several benefits to having dental insurance for kids:

  • Lower out-of-pocket costs: With dental insurance, you’ll pay less for dental care than you would if you were paying out-of-pocket.
  • Access to preventive care: Most dental insurance plans cover routine dental checkups and cleanings, which can help prevent tooth decay and other dental issues from developing.
  • Coverage for unexpected dental emergencies: If your child experiences a dental emergency, such as a broken tooth, dental insurance can help cover the cost of treatment.
  • Orthodontic coverage: If your child needs braces or other orthodontic treatment, dental insurance can help offset the cost.

How to Choose a Dental Insurance Plan for Kids

Choosing a dental insurance plan for your child can be overwhelming, but there are a few key things to consider:

1. Coverage

Make sure the plan you choose covers the specific dental services your child needs. Check to see if there are any limitations on the amount of coverage you receive for certain services.

2. Cost

Consider how much you’ll pay in monthly premiums, deductibles, and coinsurance. Make sure the plan you choose fits within your budget.

3. Provider Network

Check to see if your child’s current dentist is in the plan’s provider network. If not, you may need to switch dentists or pay more out-of-pocket to see your preferred provider.

4. Customer Service

Look for a plan with good customer service, so you can get help quickly if you have any questions or issues.

Frequently Asked Questions

What is the difference between dental insurance and dental discount plans?

Dental insurance is a type of insurance that provides coverage for dental services, while dental discount plans offer discounts on dental services. With a dental discount plan, you’ll pay a monthly or annual fee to access discounted rates for dental services at participating providers. While dental discount plans can be more affordable than dental insurance, they don’t provide the same level of coverage.

Do I need dental insurance if my child has Medicaid?

If your child has Medicaid, they may be eligible for dental coverage through the program. However, the level of coverage provided by Medicaid can vary depending on the state you live in. You may want to consider supplemental dental insurance if your child needs more comprehensive dental care than what is covered by Medicaid.

Can I add my child to my own dental insurance plan?

Many dental insurance plans allow you to add dependents, including children, to your policy. However, you’ll need to check with your specific insurance provider to see if this is an option and how much it will cost.

What happens if I don’t have dental insurance for my child?

If you don’t have dental insurance for your child, you’ll be responsible for paying the full cost of dental care out-of-pocket. This can be costly, especially if your child needs extensive dental work.


Dental insurance for kids can help make routine and emergency dental care more affordable. When choosing a plan, consider factors like coverage, cost, provider network, and customer service. With the right dental insurance plan, you can ensure your child has access to the dental care they need to maintain good oral health.