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Your child’s oral health plays an important role in their overall well-being. While dental care costs can add up quickly, dental insurance for kids can help make routine checkups and unexpected procedures more affordable. Aflac's network dental insurance for individuals and families can help keep your child’s smile healthy from an early age. Read on to learn how pediatric dental coverage works and what it covers.
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Dental insurance for kids can help cover a wide range of dental services, including routine cleanings, exams and X-rays. Some plans may also help pay for basic and major procedures, such as cavity fillings, simple extractions and oral surgery.
Additionally, many pediatric dental insurance plans cover:
With the right plan, you can support your child’s oral health from an early age and address dental issues before they become more serious. Regular dentist visits can also help your child build strong oral hygiene habits that serve them well into adulthood.
Babies typically start teething around six months old, and cavities can develop as soon as their first tooth appears. For this reason, experts suggest taking your baby to the dentist within six months of their first tooth’s arrival or around their first birthday.2
Without dental insurance, you’ll have to pay the full cost of these visits out of pocket. By getting coverage in advance, you can make these essential visits more affordable.
Don’t wait until it’s too late. Protect yourself and your family with coverage from Aflac.
Get StartedWhen you’re ready to choose a dental insurance plan for your child, you have several options, depending on your needs and budget.
If you already have dental insurance through your or your spouse’s employer, you may be able to add your child during open enrollment or after a qualifying life event, such as their birth.
You can also purchase a child-only dental insurance plan or a family plan directly from an insurer, like Aflac. This approach often gives you more flexibility in terms of your provider options and coverage levels.
Medicaid and CHIP offer budget-friendly coverage for eligible, low-income families that satisfies many pediatric dental insurance requirements.3 You can check your eligibility by visiting healthcare.gov.
As you shop for a dental insurance plan for your child, consider the following factors:
Aflac's network dental insurance plans can help cover a wide range of services for your child’s dental care, including:
Regular dentist visits can help keep your little one’s teeth, gums and smile healthy throughout childhood and beyond. One of the best ways to ensure your child receives consistent dental care is to get pediatric dental insurance coverage.
Aflac offers comprehensive dental insurance for children with flexible coverage options to fit a broad range of budgets. Chat with an Aflac agent today to explore your options and get a quote.
Get Started
Wondering if dental insurance cover periodontal diseases? Learn about how dental insurance works, types of periodontal diseases, and whether they're covered.
Dental insurance plans cover a variety of preventative, basic, and major services. Discover if dental insurance covers braces and how much they cost.
Wondering if dental insurance cover periodontal diseases? Learn about how dental insurance works, types of periodontal diseases, and whether they're covered.
Dental insurance plans cover a variety of preventative, basic, and major services. Discover if dental insurance covers braces and how much they cost.
1 Medicaid. Dental Care. https://www.medicaid.gov/medicaid/benefits/dental-care. Updated on N/A. Accessed on April 8, 2026.
2 Standford Medicine. A Child's First Dental Visit Fact Sheet. Updated on N/A. https://www.stanfordchildrens.org/en/topic/default?id=a-childs-first-dental-visit-fact-sheet-1-1509. Accessed on April 8, 2026.
3 Medicaid. Dental Care. https://www.medicaid.gov/medicaid/benefits/dental-care. Updated on N/A. Accessed on April 8, 2026.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent/producer.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Arkansas, Policies A81100AR–A81400AR. Policies A82100RAR–A82400RAR. In Delaware, Policies A81100–A81400. Policies A82100R–A82400R. In Idaho, Policies A81100ID–A81400ID. Policies A82100RID–A82400RID. In New York, Policies NY81100–NY81300. Policies NY82100–NY82400. In Oklahoma, Policies A81100OK–A81400OK. Policies A82100ROK–A82400ROK. In Oregon, Policies A81100OR–A81400OR. Policies A82100ROR–A82400ROR. In Pennsylvania, Policies A81100PA–A81400PA. Policies A82100RPAR–A82400RPAR. In Texas, Policies A81100TX–A81400TX. Policies A82100RTX–A82400RTX. In Virginia, Policies A81100VA–A81200VA. Policies A82100RVA–A82400RVA. The 81000 series is not available in MI.
Dental, Vision, and Hearing coverage is underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (Tier One NAIC 92908).
Dental, Vision and Hearing: In Arkansas, Policy T80000AR. In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. In Oregon, Policy T80000OR. In Pennsylvania, Policy T80000PA-DEN ONLY; T80000PA-DVH. In Texas, Policy T80000TX & T80000TXR. Not available NY or VA. Dental claims are administered by SKYGEN USA, LLC. Vision claims are administered by EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing.
NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits.
This is a brief product overview only. Coverage/plan options may not be available in all states, including but not limited to NM, NY or VA . Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions. For availability and costs, please complete the form above.
Aflac WWHQ | Tier One | 1932 Wynnton Road | Columbus, GA 31999
Z2500219R1
EXP 4/27
