Does My Child Qualify for Dental Coverage?

Children's Dental Health
By: Spirit Dental
April 5, 2023


Your children’s health is a top priority. But while you’re focused on preventing the flu and broken bones, don’t forget about keeping their smiles healthy. 

Keep reading to discover why it’s never too early to instill dental health practices — and how to lower costs on your child’s care.

Why is dental care important for children?

Dental care is a vital part of your child’s overall health. Taking them to the dentist two to three times a year sets them up for a lifetime of healthy habits

A professional dentist can also clean their teeth beyond brushing and flossing (depending on your child’s age, their at-home care is probably already lacking). If they identify an issue with your child’s teeth or gums early enough, it can be treated before becoming something more serious. 

What’s covered in a child’s dental plan

Coverage will depend on the specifics of your insurance policy, but most plans cover preventative care in full, including two annual check-ups and cleanings, fillings, fluoride treatments and other basic care. 

You may also get partial coverage for the following:

  • Treatment for cavities and gum disease
  • Restorative care
  • Emergency care
  • Wisdom tooth removal
  • Orthodontic care


Make sure to read through all the details of your plan to get a full understanding of your benefits.

How to get dental coverage for kids

You’ll want to have dental insurance for your kids by the time they see the dentist for the first time. It’s recommended that a child visits a dentist when their first tooth erupts. It’s important to be prepared ahead of time by enrolling in a plan that will cover your children’s care.

Group coverage

Children are most often covered under a family plan, either enrolled through you or your co-parent’s employer or purchased privately. You can add a newborn baby to an existing family plan within a specified period of time (check with your insurance provider), since having a baby qualifies as a life event. Keep in mind your monthly premium will increase once your child has been added to the plan. 

ACA coverage

According to the Affordable Care Act (ACA), dental care for children is an “Essential Health Benefit,” which means that pediatric dental coverage must be available for purchase in the ACA Marketplace. 

Stand alone dental plans

Finally, you can also enroll your child in his or her own individual plan. Monthly premiums, services covered and how much you’ll pay for different treatments will vary based on where you live, your insurance provider and your specific policy.

Find a dental plan for your child

Spirit Dental & Vision has dental plans for children and families, as well as dental insurance for students, so you can maintain shining, healthy smiles for every member of your family. shining, healthy smiles for every member of your family. Learn more and find the best plan for your needs.

[Find my plan]

Search for Resources


Senior Dental Health
Eye Health
Children's Dental Health
Dental Health