My son is ten, and I have to get him dental insurance. I can not add him to my current plan offer through my job since I live in a different state, even though I am only a twenty-minute drive from him. I have been fighting to no avail with my current dental plan, but since he has not lived with me for more than half the year, they will not add him.

Where can I get dental insurance just for my son? Can I buy a dental insurance plan with only my son as the plan member? Or do I need to add my X to the plan?

Reply: Understandably, you want to get dental insurance for your son, and, unfortunately, you can’t add him to your current plan. However, there are options available for you to explore.

Whether or not you need to add an adult to the plan depends on the dental insurance company and the specific plan you are looking at. Some companies offer plans allowing you to buy coverage only for your son, while others may require you to add an adult. It’s important to note that some plans may not state the option to buy only for your son when reviewing the information online or in brochures. Therefore, it’s always best to call the member services for the plan you are interested in to verify the details.

When you call the member services, you can ask about the different plan options available and if any allow you to buy only for your son. You can also inquire about the coverage provided by each plan, including deductibles, co-insurance, and any exclusions or limitations.

It’s important to carefully review the coverage options available and choose a plan that meets your son’s dental needs and fits your budget. Additionally, you may want to consider if the plan has a network of dental providers in your area, as this can affect the cost and convenience of care.

I hope this helps you in your search for dental insurance for your son. If you have any further questions or concerns, please don’t hesitate to ask.