When you have children or dependents, knowing whether they’re covered by your dental insurance can make a huge difference when it comes to planning for their oral health. And knowing how much coverage they have or what procedures are covered can help you plan for potential costs down the road.
To put it simply, a dependent is a child or individual that a parent, relative, or caregiver can claim a personal exemption for on their taxes. Basically, if this person depends on you to provide shelter, food, or for most of their day-to-day care and expenses, then that person is considered a dependent. This can include:
The quickest, easiest, and most accurate way to check if your dependents or children are covered is by logging in to your MySmile® account.
From there, you can get cost estimates for a variety of different procedures, for all the individuals included on your plan. This way, you’ll know what you expect whenever one of your loved ones needs dental care.
If you want to add a dependent to or make changes to your plan, talk to your HR representative to determine when you are eligible to do so. Typically, though, this happens during open enrollment, but some situations will allow you to enroll, or make changes to your plan outside the open enrollment window – these are called qualifying events.
(For more info on plan-specific coverage for dependents, log into MySmile® or review your Benefit Booklet.)