I am 18 and still living at home. My mom works two jobs, and I work part-time while going to school to help out. However, for the most part, it is still challenging for my mom to care for three kids independently. We do not go to the dentist since she can not afford the cost. Are there low-cost options available?

Reply: Dental HMO plans are an excellent option for individuals and families seeking affordable dental insurance. Unlike traditional dental insurance plans, HMO plans typically offer lower monthly premiums and co-pays, making them an attractive option for low-income households. With an HMO insurance plan, you and your family can receive preventive care such as X-rays, oral exams, and cleanings for little to no cost. More expensive dental procedures such as fillings, extractions, and root canals are also covered under HMO plans but at a much lower price. 

To determine if you are eligible for a dental HMO plan, contact your local dental insurance provider or visit their website to explore your options. Many insurance providers offer discounts and unique plans for low-income households, so it is essential to research and compare different options to find the best plan that fits your family’s needs and budget. With a dental HMO plan, you and your family can receive the dental care you need without breaking the bank.