For Consumers

Dental insurance for kids

Pediatric dental care is considered an essential health benefit under the Affordable Care Act (ACA). Individual and small group plans must cover pediatric dental care either as part of the health plan or through a separate stand-alone pediatric dental plan. 

Pediatric dental insurance you buy through the Washington Healthplanfinder

The Washington Healthplanfinder (www.wahealthplanfinder.org) requires children who are enrolled in a health plan to also be enrolled in a pediatric dental plan. 

Pediatric dental insurance you buy outside of the Washington Healthplanfinder

If you buy a health plan outside of the Washington Healthplanfinder that does not include pediatric dental benefits, you must provide written proof (leg.wa.gov) that you also bought a pediatric stand-alone dental insurance plan.

Some of the services the pediatric dental benefit may cover

  • Diagnostic services.
  • Preventive care.
  • Restorative care.
  • Oral surgery and reconstruction.
  • Periodontics.
  • Root canals.