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Worried that you're going to have to start footing the bill for your recent high school grad's dental insurance? Don't worry! The family dental plan provided by your employer will probably cover your kids so long as they are registered as your dependents, as they will continue be during their time as a college student — though there is typically an age cap at around 23 to prevent parent's employers from supporting students-for-life.
However, if your employer insists that your recent high school grad should find his or her own dental insurance, you can purchase a cheap discount dental plan just for your student, or, for just a bit more, you can get a discount dental plan for your whole family. With no monthly premiums and only a modest annual fee — less than $200 is common — you can ensure that your child's teeth are still protected even when they're formally abandoned by their previous insurance. What's more, there is no age cap on this family dental coverage. Your kids will be protected under the plan so long as they are financial dependents living in your household.
|Jennifer Mathes, Ph.D.|