Tips On How To Afford Kids Dental Coverage

Are you struggling to find low cost dental insurance options for kids? Paying out of pocket for dental treatments for children can quickly break your budget. For many families, dental insurance isn't a luxury, it's a necessity. So what can you do if you can't afford your company's dental plan or if family dental insurance isn't available? Consider these low-cost dental health insurance coverage options for kids.

Dental Insurance Options For Kids That Won't Break Your Bank Account

1. Free Dental Clinics. Many public schools now provide free dental treatments from a dentist during school hours. If this service is available in your area, your son or daughter will bring home a permission slip to get dental services. It may not always be the best dental care option, but it is one way to get the dental care your school aged children need if you can't afford dental insurance.
2. Medicaid. If you meet certain low-income guidelines, your children could qualify for Medicaid coverage through your state's Department of Job and Family Services. This coverage also includes dental care. Not every dentist accepts payment through Medicaid, but many do. Check with your chosen pediatric dentist about payment methods before scheduling an appointment.

3. High Deductible Dental Insurance. Selecting a higher deductible dental insurance plan will give you more affordable monthly premiums, but will require a higher out of pocket expense. This type of insurance will provide you with affordable pediatric dental insurance, but it may not be the best option for families- especially if your children have dental cavities or will need orthodontics.

4. Health Savings Accounts. A health savings account, or HSA, is a special fund that allows you to place pre-tax money into a savings account to pay for medical related expenses throughout the year. This can be a great way to save money on your taxes and set aside funds for your dental insurance premiums and out of pocket dental care expenses.

5. Payment Plans. If you have poor coverage benefits in a kid's dental insurance plan, or if you can't afford dental insurance for your kids, you can ask your pediatric dentist about payment plan options. These types of repayment plans often have little or no interest and can help you get the dental care you need now without breaking your family's budget to get it.

Finding low cost dental insurance options for kids can be a challenge, but it is possible. You have many options available when it comes to getting affordable dental care for your family, but knowing your options is half the battle. Talk to your pediatric dentist today to investigate which low cost dental insurance options are right for your family.