There is a reason they say go every six months I think. And yes babies can totally affect your teeth andthe saliva in your mouth which can cause more cavaties. I hadnt had any for 14 yrs and then after my second baby I had six in just six months. Flopped over and wanted to cry. DAMNED IT! And yeah no insurance or a cap on what they pay is horrible. I would get some fixed, pay for those and then go for the others. Problem with cavaties is if they are next to another tooth it can cause the other tooth to decay too.. so you may be stuck getting them done. Ask for volumne discounts from the dentist. He is going to vacation somewhere nice on this one.