Share or Cost – Dental PPO Insurance and Children 

Monday, May. 20th 2024 10:00 AM

Question: I have an almost two-year-old child looking to buy dental insurance. I am not sure I want to keep the dental insurance plan. I may wish to do something short-term to get my child’s teeth checked out.  

Reply: Choosing a plan that provides adequate coverage for pediatric dentists is essential. PPO plans are typically a good choice for families with children. PPO plans offer a broader range of in-network providers and often benefit outside-network providers. This can be particularly helpful if you’re looking for a specific pediatric dentist outside your plan’s network.

However, it’s important to note that PPO plans are not intended for short-term use. They usually have waiting periods, meaning you’ll need to have the plan for a certain amount of time before certain benefits become available. For example, you may need to have the plan for six months before getting coverage for a basic dental procedure.

If you’re only looking to get your child’s teeth checked out in the short term, consider paying out of pocket or a dental discount instead of buying a PPO plan. These options can be more affordable and may be a better fit for your needs.

When shopping for dental insurance, it’s essential to read the plan terms and conditions carefully to make sure you’re choosing the best plan for your family’s needs. Look for a plan that provides coverage for pediatric dentists, has a reasonable waiting period, and fits within your budget.

Posted on Monday, May. 20th 2024 10:00 AM | by Share of Cost | in Dental Insurance, Share of Cost | Comments Off on Share or Cost – Dental PPO Insurance and Children