Question: Is there a tax penalty for opting out of pediatric dental? We have one 2 year old and a baby on the way. We bought the whole family insurance on the exchange but it did not come with pediatric dental. The add-on PPO dental plans are very expensive for what they include and our beloved dentist does not take any HMO plans (which are the cheaper options). It seems it would be far less expensive for us to pay for dental check ups out of pocket than to buy the insurance… at least for the next few years while the kids are very young.
Answer: Insurance works best and rates are lower for all, if everyone is in the pool. That’s the reason behind making pediatric dental mandatory. There is no penalty for not taking it, but you will not be able to get medical coverage without it if you have a child under 19.