How do I buy kids dental insurance?

Question: I want to only get dental insurance plan for my two kids. I have very small income and do not receive dental benefits though my employer. I can not afford a family plan but can I get a low cost dental plan for just my kids to help with their dental cost.

Answer: Under insurance you can not write two minors on the plan by themselves you would need to get a family plan and list yourself as head of household. However you may want to review a dental discount plan. You can buy two dental discount plan one for each child or by a family plan since the cost of a dental discount plan is very low ranging $15.00 – $20.00 a month for a family.

A dental discount plan dose not have an long term waiting periods and will help to reduce all your dental care costs.

Also, although you can not buy dental HMO insurance plans for only tow minors family plan cost is not typically all that high they can range around $20.00 – $40.00 a month and would be a good lower cost options if you are wanting insurance and not a discount plan