General chatter - Dental insurance for kids?

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01-08-2007, 07:01 PM
My son (7 years old) is on his father's health insurance plan from work, but unfortunately they don't have dental. And my son has a cavity that needs filled. He's too young to start losing his permanent teeth and I don't want it to get to the point where the tooth goes completely bad and they have to pull it out. However, the work he needs done will cost over $300 and I just can't afford that.

Are there dental plans out there for kids that one can purchase from an independent provider?

01-08-2007, 07:09 PM
Do you have Child Health Plus in Michigan (I'm assuming Michigan from your avatar)? It's offered here in NY through Blue Cross/Blue Shield. I'd check into that. Look up a Children's Clinic in your area, as well...the ones for people on WIC or Medicaid. They help anyone that is in need, not just people totally on the down and out.

01-08-2007, 07:18 PM
I don't know of plans, but you might want to ask if they treat pre-existing conditions like health do they cover them? Most insurance policies make you wait a year on pre-existing conditions.

01-08-2007, 07:43 PM
Ask the school nurse if she (or he) knows of any low cost dental clinics.

01-08-2007, 08:44 PM
If you are in an area with a University, there may be a Dental Faculty that provides excellent treatment at very reasonable costs.

01-09-2007, 11:08 AM
Thanks, everyone, I'll look into some of those options :)