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To add a dependent child before their third birthday is considered a qualifying event. Your child is covered automatically whether you enroll or not for the first 18 months since babies don’t usually have teeth, nor need coverage. After the first 18 months, you have until 31 days following the 3rd birthday of your child to enroll them in dental coverage. If you wait until after 31 days following the third birthday, your child would be considered a late entrant and you will be able to enroll them while participating in Open Enrollment. Being enrolled as a late entrant will only give them preventative care for the duration of 1 year until they qualify for full coverage.
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