For Consumers

Dental insurance for kids

Dental coverage for kids (also called pediatric dental insurance) up to age 19 is considered an essential health benefit ( under health reform. State law ( requires individual and small group health plans to cover these services - either as part of the health plan or through a separate stand-alone pediatric dental plan.

Pediatric dental insurance you buy through the Health Benefit Exchange

You can get pediatric dental insurance included in a Qualified Health Plan (QHP) you buy through the Washington Healthplanfinder (also called the Exchange) (

However, not all QHPs include pediatric dental insurance. If not, you’ll need to buy a separate stand-alone dental plan to supplement the QHP.

Pediatric dental insurance you buy outside of the Health Benefit Exchange

If you buy a health plan outside of the Exchange that does not include pediatric dental benefits, you must provide written proof ( 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