Background: Most insurance coverage in the US has separate policies and payroll withholding for health, dental, and vision insurance plans. One can typically decide who's covered independently for these plans (or pick and choose these plans from one spouse's employer to the other's). Coverage is usually either employee, employee+spouse, or employee+family (spouse and children).
One can also typically change these things after a life event (birth of a child, marriage, etc.) or annually during the enrollment period.
Question: My wife and I had a daughter last month. We're obviously enrolling her on our health plan immediately. She doesn't yet have teeth and is too young for any vision correction (or even to know whether she'll need any), so it doesn't seem to make sense to include her on the dental or vision plans yet. At what point would it typically make sense to do so? Is there any compelling reason why she should be included on the plans now? We'd just be paying the higher family withholding without being able to take advantage of any of the services, right?