Gary J. McNabb 
Whether to get kids dental insurance is a big decision for parents. The cost of the premium must be weighed against possible out-of-pocket costs for the children. Parents also need to consider if the dentists they want to use are part of the plan.
Children need proper dental care to keep their teeth and gums healthy. It is important to brush, floss, and visit the dentist regularly.
Guardian
Choosing the right kids dental insurance plan is essential because regular visits to the dentist can prevent significant problems from developing. Guardian Direct offers various products, including health and life insurance and dental procedures. Its website features an easy-to-use online quote tool and other helpful resources. It also provides an online provider lookup tool that allows customers to search for dentists near their homes.
The company’s Preferred Provider Organization (PPO) dental plans include a network of 120,000 providers and waive waiting periods for primary care. The company’s four dental procedures include various benefits, including a yearly maximum of $1,500 for orthodontia and a lifetime maximum of $1,000 for dental implants.
Guardian’s plans also feature a “diminishing deductible” that reduces by 5% each year a member is on the project, up to a maximum of $2,500. This helps motivate the utilization of dental benefits and makes it easier for individuals to access needed dental care.
Delta Dental
Dental care is an essential part of a healthy lifestyle. Good oral hygiene habits at every age can improve overall health and quality of life. It also helps prevent tooth decay and other dental issues. Dental insurance plans can reduce the cost of dental care. Delta Dental offers a range of options, including coverage for kids and adults.
Kids can enjoy full dental coverage for all preventive services. This includes cleanings, exams, and X-rays. Costs for dental fillings and simple extractions are covered up to an annual maximum. They can also receive orthodontics, teeth whitening, and more.
Delta Dental of Iowa offers a variety of individual and family dental insurance plans to fit everyone’s budget. Its network of dentists includes 9 out of 10 dentists in the state. These dental insurance plans are available through employer-sponsored programs, the health exchange, or directly from Delta Dental. The company also offers a dental discount plan for individuals.
Humana
Humana Insurance offers health, vision, and hearing plans, Medicare Advantage, and prescription drug coverage. It has an excellent financial strength rating and scores highly on customer satisfaction surveys. Its Medicare Advantage plans are available in several states. They include a maximum out-of-pocket limit, and many also offer prescription drug coverage and fitness and wellness benefits. Humana also offers a Preferred Provider Organization (PPO) plan, which allows you to choose your doctors and provides more flexibility than an HMO policy.
Many of Humana’s Medicare Advantage plans feature additional benefits beyond what Original Medicare covers, including telehealth appointments and $0 copays for in-network primary care physician visits over video or phone. Some Medicare Advantage plans also come with dental and vision coverage.
Humana’s Medicare Advantage plans are available in almost 30 U.S. states. Its Medicare Advantage, HMO, and PPO plans include prescription drug coverage. The company also offers two specific types of special needs plans, chronic condition and dual-eligible special needs plans, in select states.
