Inexpensive Dental Care Insurance Plans For Children.

01/20/24 1:28 PM

Question: I want an inexpensive dental care plan for my six-year-old son. I have little money and only seek something for my son’s dental healthcare.  

Reply:  The lower-cost dental insurance option would be an HMO insurance plan. HMO plans typically run around $8.00 – $20.00 for an individual plan. However, not all HMOs will accept a minor on their single programs; therefore, you must be on the dental insurance plan with your minor son. A couple plan costs around $15.00 – $30.00 monthly. Depending on your budget, including yourself in the plan may still be affordable. 

The Benefits of an HMO Dental Insurance Plan.

  • HMO dental insurance plans often have lower monthly premiums compared to other plans. 
  • HMOs usually cover preventive care services, such as regular check-ups and cleanings, at little or no cost to you. 
  • Another advantage of an HMO plan is that you will have a network of dentists to choose from within the plan, making it easier to find a dentist who accepts your insurance and is located near you. 
  • Typically, HMO dental plans do not have a waiting period for services to be covered. 
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