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Dental insurance for children can help lower the costs of visits to the dentist and necessary procedures. Around 50% of kids ages 6 to 9 have had cavities in one or more of their primary or permanent teeth, according to the CDC – and dental fillings can be costly without dental insurance.1 Here's what every parent should know about dental insurance coverage for kids.
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Dental insurance for kids works just like it does for adults. An insurance plan typically covers dental cleanings, exams, X-rays, and can help pay for basic and major dental services. Moreover, regular visits to the dentist will help your kids learn good dental hygiene and avoid the pain of cavities and other tooth problems.
A good dental insurance plan, depending on the carrier, for kids will start preventative dental care early by helping you cover the costs of:
Babies usually start getting teeth around six months old, and tooth decay can begin around this time as well.2 Because of that, it may be important to get dental insurance for children as early as possible. Even babies may need dental insurance.
You can take your child to the dentist as soon as they start getting teeth, but without insurance, you’ll pay out of pocket for exams, necessary procedures, and any guidance on dental disease prevention, nutrition, and dental development. Dental insurance for kids can help make the costs of dental services more manageable.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedHere a few dental insurance options to consider for your kids so you can get coverage as early as possible:
If you're already on a dental plan through your job or your spouse's plan, you might be able to switch to a family plan during open enrollment. And if you've just had a baby, this is considered a qualifying life event — meaning you can add your little one to your plan right away.
Many insurance providers offer plans that include dental insurance for children. Shop for the right option for your family and choose between dental HMO and PPO plans.
These government-backed programs provide insurance plans to qualifying low-income families. You can check your eligibility by visiting healthcare.gov.
When shopping for a dental insurance plan, take the following into consideration:
Aflac dental insurance helps cover preventative care, as well as many basic and major services that can help parents save money on their children’s dental care.
Even babies can get cavities. Building good dental hygiene is important, and it starts in childhood. Aflac dental insurance for children can help reduce the out-of-pocket cost of taking care of their teeth and teaching them healthy habits. Chat with an agent today to discuss our coverage options and get a policy quote.
Ready to get dental insurance?
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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 Centers for Disease Control and Prevention – 2024 Oral Health Surveillance Report: Selected Findings. Accessed March 19, 2025. https://www.cdc.gov/oral-health/php/2024-oral-health-surveillance-report/selected-findings.html.
2 American Dental Association – Tooth Decay in Baby Teeth: Baby Teeth Can Get Cavities. Accessed March 19, 2025. https://engage.ada.org/p/phys/tooth-decay-in-baby-teeth-baby-teeth-can-get-cavities-774.
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.
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–NY81400. 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 A82100RPA–A82400RPAR. In Texas, Policies A81100TX–A81400TX. Policies A82100RTX–A82400RTX. In Virginia, Policies A81100VA–A81200VA. Policies A82100RVA–A82400RVA.
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 Texas, Policy T80000TX. Not available NY or VA. Dental claims are administered by Aflac Benefits Solutions, Inc. 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.
Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY or VA. Benefits/premium rates may vary based on state and plan levels. 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.
Aflac WWHQ | Tier One | 1932 Wynnton Road | Columbus, GA 31999
Z2500219
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