Getting access to dental services for your child is important to ensure that they develop strong and healthy teeth. Good oral health is linked to overall good health. That’s why it’s important that your child see their dentist regularly. You can get dental coverage from your health insurance, so you can spend less on dental expenses.
What Kind of Dental Coverage Plan Should I Get?
There are private insurance companies that you can ask or you can ask your company if you can have pediatric dental coverage for your child, from your health insurance. You’ll have to pay monthly for its coverage. However, it will be more cost-effective if you use your coverage, so your child can visit their dentist regularly.
What You Should Know About the Affordable Care Act and Its Link to Dental Insurance
Did you know that the Affordable Care Act (ACA) requires federal and state-run health insurance exchanges to offer pediatric dental services? This means if you purchase a medical plan for your child through any of these exchanges, the exchange must also provide the option of buying a pediatric dental plan or including it in the medical plan. With federal exchanges, they must cover children under 19 years old while state marketplaces have various age limitations.
Are Dental Services Free?
Not necessarily. Dental coverage under the ACA does not mean services will automatically be available for your children or mean that services will be free. Just dental insurance like choosing medical care insurance, parents have to make informed choiced about the type of plan they will purchase and how much coverage the plan provides. The cost will depend on the type of plan and level of coverage. Aside from some exception, it’s the parents’ choice whether or not to get a dental coverage for their children.
What Are the Usual Dental Treatments Covered in These Dental Insurance Plans?
The kind of services dental plans cover will depend on the state. However, most dental plans cover preventive and diagnostic care, as well as common restorative care procedures, like composite fillings. Some dental plan even cover 100% of the cost of preventive care. On the other habd, orthodontic services may only be covered if they are “medically†necessary for the treatment associated medical conditiona, like cleft palate Know that even if the plan covers “medically necessary†orthodontics, it only means that the plan will only shoulder a percentage of the costs. Should you think your child requires braces, but does not meet the medical necessity criteria for orthodontic coverage, you can consider purchasing a dental plan that covers orthodontic services without this requirement.
Do You Want to Know More About the Dental Insurance You Can Have for Your Child in Fairfax, Virginia?
Why not stop by at Greater Washington Dentistry where our staff can accommodate your questions about the kinds of dental insurance plans we accept? Our team work to ensure that many children get access to quality dental care. That’s why we make our services as accessible to them as possible.
Should you want to know more about the insurance plans we accept and the treatments covered by these insurance plans, please contact us today.