Question: Do I really need to have dental insurance for my two year old? I take good care of her teeth I do not see any reason for dental insurance.  

Answer: I believe now in California you are required to have dental insurance on your children but not yourself.  Yet putting that aside, In order to prevent dental problems, your child should see a pediatric dentist at least twice a year more if advise by your dentist. Having dental insurance is a good way to control your child dental care cost.