Family Dental Insurance Guide | Direct Benefits

Family Dental Insurance Guide

 

As a parent, you want to do your best to keep your children healthy, and taking them to the dentist to have their teeth and gums examined and cleaned is one of the most important steps to help ensure your kids’ well-being. 

If you don’t have dental insurance, you could be hit with a hefty bill every time you, your spouse, and your kids need to see the dentist for routine care, emergency procedures, or restorative treatments. 

To ensure your family can access the professional care they need, you can easily get dental insurance that will step in and help cover the costs. And with the best family dental insurance plans,, every member of your family will be covered, so you won’t have to worry about breaking the bank to keep everyone’s smile bright and beautiful. 

family of four taking a selfie on vacationAre Family Dental Insurance Plans Worth It?

Families can get hit with unexpected dental care expenses. Your kids might be playing sports when they suffer a mouth injury that requires emergency treatment. Or they might end up needing braces to straighten their teeth or correct the alignment of their bite. Being able to afford seeing the dentist can be tough if you don’t have the right insurance that will provide coverage in all of these situations. 

It’s also important to realize that cavities and gingivitis might develop at any age, even if you brush and floss every day. In fact, according to the CDC, 20% of kids between the ages of 5 and 11, and 13% of teens between the ages of 12 and 19, have at least one tooth that’s decayed but untreated. The good news is that, by simply seeing the dentist regularly, your kids can receive treatments, from fillings to fluoride, that will help keep their pearly whites healthy.  

Also, did you know that babies should see the dentist by the time they’re 1 year old? It’s true! This is such a simple step, but it can help you rest assured that your little one’s mouth is developing properly. And it will give you the chance to tackle problems in their earliest stages, when they’re easiest to treat. Plus, the dentist can give you tips and instructions on how to keep your baby’s gums healthy as each new chomper emerges. 

 

 

 

Why Should I get Dental Insurance For My Family?

Professional care can certainly be expensive, but family dental insurance plans help ensure you can afford taking all of your kids to the dentist, starting when they’re babies. This means their baby teeth and permanent teeth can grow in perfectly. 

Let’s not forget that these plans also cover you as well, so you can continue seeing the dentist on a regular basis for checkups and cleanings as you get older. Remember, as you age, your teeth experience more wear and tear that might make you more susceptible to decay and damage, so it’s wise to take extra steps to keep your gums strong and reduce the risk of tooth loss.

 

Here’s a list of some dental treatments that kids might need, along with what they typically cost, on average:

  •  A checkup might cost $65 to $100 for babies, children, and teens
  •  X-rays might cost anywhere from $25 to $300
  • Fluoride treatments might cost anywhere from $30 to $35, while sealants might cost $35 to $40 per tooth
  •  Fillings might cost anywhere from $50 to $450, depending on the tooth that's being treated and the filling material that's used
  • If your teen needs to have a wisdom tooth removed , it might cost anywhere from $75 to $1,100, depending on the level of impaction
  • Braces  might cost $3,000 to $10,000, and the price will depend on the type of braces your child would benefit from most, as well as the length of the treatment. On the other hand, aligners like those from Invisalign might cost anywhere from $3,000 to $8,000.

When shopping for dental insurance plans for kids, carefully read the fine print to see exactly what's covered and what's lacking. For example, not all plans will cover orthodontics , so that's something to keep in mind if you need help paying for your child's braces or Invisalign. 

 

 

 

Family Dental Insurance FAQ

Do my children really need to see the dentist?
How much can I save on braces when I have dental insurance?
What should I look for in a dental plan for families?

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  • 12/1/2020
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