Children's Dental Coverage*
The Affordable Care Act (ACA) makes a number of important improvements intended to increase access to dental coverage for children who get health coverage in the individual and small group health insurance markets, including those who will be covered through the new public and private health insurance exchanges.
As of January 1, 2014, most Americans will be required to have dental coverage for their children. The Department of Health and Human Services (HHS) is charged with defining what the benefit plans look like, and what the age limit will be, but the process for doing that has not been entirely defined as of yet. Spirit Dental and Security Life Insurance Company have recommended a scientifically supported plan design to (HHS) that is intended to do the most good for the most number of kids.
Finding the right individual dental insurance may sound confusing, but we believe the Spirit Dental is a great plan for children because of the strong preventive benefit built into the dental plan design. We believe that early periodic checkups in conjunction with the use of approved sealants with planned prevention and education programs is the best recipe for preventing tooth decay and gum disease in children.
Spirit includes three cleanings per year which is crucially important during the early years of childhood. The more your child see's the dentist the better you will be able to avoid large dental bill down the road.
*Spirit Dental is not a child only dental plan. This plan requires the main applicant to be at least 18 years of age to be eligible for coverage. Minor children between the ages of 0 and 17 may apply for coverage, as long as a parent or legal guardian is enrolling in the dental plan.