My five-year-old daughter has dental caries. She currently needs four fillings and a possible baby root canal. I have dental insurance, but it does not cover much, and I have already maxed out its $1000.00 yearly limit. I need additional insurance for her, but I must figure out what to get.

Reply: I am sorry to hear about your daughter’s dental issues. It can be challenging to navigate dental insurance, especially regarding your child’s needs. Have you considered contacting your current dental insurance provider to see if they offer additional coverage options? Additionally, research other dental insurance providers to compare coverage and costs. Another option could be to look into a dental discount plan, which can provide savings on dental procedures. Whatever route you choose, you must prioritize your daughter’s dental health and ensure she gets the necessary care.

When looking to buy additional dental insurance, here are a few tips to keep in mind:

1. Research different plans: Take the time to research different dental insurance providers and compare their coverage options and costs.
2. Check for network restrictions: Make sure your plan includes dentists in your area and that your preferred dentist is in-network.
3. Read the fine print: Be sure to read all the terms and conditions of the plan carefully to understand what procedures are covered, any waiting periods, and any exclusions.
4. Consider your child’s needs: Make sure the plan you choose covers the specific dental procedures your child needs, whether it’s fillings, root canals, or orthodontic work.
5. Check for annual limits: Be aware of any annual coverage limits, and make sure the plan you choose provides enough coverage for your child’s needs.

With these tips in mind, you can decide which additional dental insurance plan is best for your child’s needs.