Parents, do you have vision and dental insurance for your kids?
Do you have vision and dental insurance for you and your kids, or just general health? If you don’t, do you find it difficult to budget enough for those 4 appointments each year (2 each for vision and dental)? Do you cut back and only do one a year? Only when it seems needed? Any ideas or tips you’ve learned to help budget in those expenses?
My son does have vision problems, so unless he grows out of them (which me may), yeah, we’re on that every-six-months check up schedule.
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No- the insurance premiums cost MORE than the cost of just paying for the dental and optical appointments out of my own pocket on the day. Admittedly that’s for my area, it might be different elsewhere.
I usually have enough notice to budget for these things, why would I hand money over to someone else for it when I am quite capable of paying for it myself?
Not only that but if you are below a certain income threshold here it is free, just a VERY long waiting list for it. I’d rather pay the extra to be bumped up the waiting list.
I don’t see the need for vision checks twice a year so that’s not an issue but yes, the dental appts get very costly, however, we usually don’t skip unless I just out and out forget. Saving back at the time you get your tax refund may help you, it does us (assuming you get one).
Those things are free for kids in my country.
As with Miss ATK, I have no need to.
Twice yearly visits to an opticians sounds a little unnecessary though.
I knocked out all of my son’s teeth and poked out his eyeballs. Problem solved.
We don’t have vision insurance but we do have dental.
My husband and my child both wear contacts, so they have to have one vision appointment per year. My daughter had two in one year only once when her sight got so much worse, that she needed a different prescription within only 8 months. Since I wear glasses, I don’t go to the eye doctor but maybe every 4-6 years. All of us get a dental check-up every 6 months. We have a deductible for check-ups but I space the appointments out to where my husband and I go one month, our children go a few months later.
We have an automatic payroll deduction from my husband’s pay check into a savings account. It was to build an emergency savings for doctor’s, dental, vision appointments as well as when appliances go out. We started doing this before we even had kids. We started off with $50/pay check (after my husband had gotten a raise so it wouldn’t affect us financially) and increased it over the years. It was a life saver when my youngest required surgery and the hospital as well as the doctor required a prepay of not only our deductible but also our copay.
We do have dental and vision insurance for the entire family.
Hannah goes to the dentist twice a year, and hasn’t been to the eye doctor yet. Knock on wood, she doesn’t have vision problems *yet* She passed her vision test at both her 4 year checkup and the vision check at her school. Her dad and I both have had severe vision problems, and wore glasses and contacts for years. We both have had lasik, so it isn’t much of a concern for us ATM.
Vision, dental, and all other health related things are covered for all Canadian children, always
We pay for health insurance through the state for the children so that helps so that we can afford general health, vision, and dental. If we didn’t have insurance for them it would probably be a little difficult to budget it but we would only do vision once a year and the dentist twice a year (unless instructed to do more). I only have 2 kids so I would probably just make appointments for every 3 months alternating them two to make the payments easier though.
Also, our city does a lot of different health related things every year. There’s a dental van that rotates between the schools every year and charges based off of your income if you want them to see your children so that really helps out parents who can not afford dental insurance. There’s also vision clinics about once a year at the health department. We also have a couple free clinics sponsored by different doctors every month (sometimes twice a month if they can get more drs that month). We also have a community clinic that also goes based off of income and does everything there. So if we really didn’t have insurance I would probably take advantage of some of these things if I couldn’t afford to take them elsewhere. I know many people really like how much our community does for the children.