It is enrollment time for my company’s benefits, and I don’t know if I should add my son to the dental insurance. He does not have teeth yet and will not likely need dental care this year. I can swing a checkup out of pocket, and it would be cheaper than adding him to the dental insurance policy, but are there any big baby dental procedures or problems that could be costly? 

Reply: While it is true that your baby may not need dental care this year, it is still a good idea to add them to the dental insurance policy. Certain baby dental procedures or problems can be quite costly. For example, if your baby needs to have a tooth extracted or has a dental emergency, the cost of treatment can quickly add up. Additionally, regular dental checkups are essential for babies to ensure their teeth and gums are healthy and properly developed. While you could pay out of pocket for a checkup, adding your son to the dental insurance policy may be more cost-effective in the long run. Ultimately, the decision is up to you and what you feel is best for your family’s financial situation.