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?

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.

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

Ask the school nurse if she (or he) knows of any low cost dental clinics.

If you are in an area with a University, there may be a Dental Faculty that provides excellent treatment at very reasonable costs.

Thanks, everyone, I'll look into some of those options