I have two boys and one girl, all under ten years of age. I do not have dental insurance, and the assistance I get for being low-income does not cover dental care for myself or my kids unless it is for tooth extractions. Is there dental insurance I can get my kids at a very low monthly rate—at least something to help with their basic dental needs?

Reply: You can look for dental HMO insurance plans in your area that can provide coverage for your children’s basic dental needs at a low monthly cost. Dental HMOs usually require you to choose a primary dentist from their network, and you need to receive your dental care from them. However, this can be a good option if you want a low-cost dental insurance plan for your kids. The average monthly cost for HMO plans can range from $25 to $40, depending on your chosen plan. You can also check if your state provides dental insurance plans for children, as some states offer such programs for low-income families.