People without dental coverage say they're less likely to visit the dentist, and lack of insurance is the most common reason people fail to visit the dentist for preventive care and dental treatment, according to a 2008 survey by the National Association of Dental Plans. In fact, the Academy of General Dentistry reports that children miss more than 51 million hours of school every year due to dental problems.
CHIP
The government-sponsored Children's Health Insurance Plan, or CHIP, provides affordable dental coverage for children. The type and extent of the coverage varies by state. According to the Centers for Medicare & Medicaid Services, you may have to pay for out-of-pocket costs as part of the CHIP plan, but costs have limits. Dental checkups -- including oral examinations, preventive cleanings and X-rays -- may require no extra charges. CHIP eligibility depends on your state; in most states, children under age 19 who fall below certain income levels and have no insurance can receive CHIP dental coverage, according to the Academy of General Dentistry.
State Oral Health Programs
Your state may receive additional federal funding for affordable or free oral health programs, according to the Centers for Medicare & Medicaid Services. For example, low-income California residents with children between birth and age 5 who have no insurance may utilize a health-service initiative that provides parent oral health education, preventive dental services and mobile dental vans.
Discount Dental Plans
Parents who need to save money on their child's dental care may turn to discount dental plans. Enrollment in a discount dental plan allows you to get reduced rates for dentists in your plan. However, discount dental plans are not the same as insurance coverage, and you must still pay most of the costs of your dental care. The American Academy of Pediatric Dentistry recommends familiarizing yourself with your discount dental plan coverage before seeking services for your child. Keep in mind that utilizing this type of affordable dental plan may prove difficult if local in-network dentists are limited.
Dental Schools
Dentists and dental hygienists in training may offer discounted dental care programs. Under the supervision of an experienced faculty member, students perform the same procedures your child would undergo at the dentist for a reduced fee, according to the Academy of General Dentistry. Your state dental society provides a list of dental schools and dental hygiene schools in your area.
References
- National Association of Dental Plans: Dental Benefits Contribute to Oral and Overall Health
- Academy of General Dentistry: Tips on Finding Preventive Care for Children's Oral Health
- Centers for Medicare and Medicaid Services: CHIP Dental Coverage
- American Academy of Pediatric Dentistry: Buyer's Guide to Dental Benefits
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