Most dental benefits are purchased separately from medical insurance (stand-alone coverage) and most covered children already have their dental coverage through a stand-alone family dental plan. Congress recognized the value of stand-alone dental coverage by allowing insurers that specialize in dental benefits to offer kids' coverage on Exchanges. That means parents have the choice to purchase their kids' dental benefits separately from their medical benefits. This is important because if parents have to switch their kids' dental plans to one bundled with their medical plans, they might end up with a dental plan that doesn't include their family dentist in the network or has reduced dental benefits. A company with dental expertise is important because there are a lot of differences between dental and medical benefits.