Question: I am 20 with a new born, I am work from home and go into the office when needed, all though I do get medical, I do not have benefits for dental care. Having to get dental insurance is new to me since I did not give it much thought until my son was born. He is not teething yet but I like to get something in place for him and I both to use. What are my dental insurance options?  Trying to keep cost low so please advise.

Reply: The lower cost insurance option would be a dental HMO insurance plan. HMO insurance plan for a couple (you and your son) can range around $13.00 – $30.00 on our website. However, with HMO plans you have to choose a plan provider. Therefore it be important to call the providers to make sure they provide dental care for children under five as some dental offices do not.

Another option we provide is a dental PPO. PPO plans are good in that you can choose your own provider but they are a more costly insurance option. You may want to look at the PPO plans that have a low yearly max limitation such as $1000.00 per person. Hopefully you will not need larger dental care services if you take your son in for regular check ups.