Orthodontic Insurance

All About Braces

By: - Insurance - February 14, 2011
orthodontic insurance

Orthodontic braces are used to align and reposition teeth. The cost for braces ranges from $1700 – $5600. Since it is a large investment the patient should carry ample orthodontic insurance. Most dental insurance policies do cover a portion of the cost, but usually not all. Still, if you do not have dental insurance, but know that braces are in your future shopping for dental insurance with good orthodontic coverage is a wise choice.

When considering orthodontic insurance you need to ask your potential insurer questions. For example, can you choose your dentist and orthodontics? Some providers make you choose only their providers. When you are wearing orthodontic braces cleaning your teeth takes on more importance. Make sure your dental carrier covers routine cleanings, x-rays, emergency treatment, and of course orthodontic coverage.

There are many types of orthodontic braces available. Stainless steel braces are common, but plastic braces can be used for a better cosmetic match. Keep in mind that your orthodontic insurance may not pay for cosmetic braces. Ceramic braces are semi-transparent, and provide a good match to natural tooth color. Plus, some ceramic braces are designed so they do not become discolored over a period of time.

Clear orthodontic braces are popular for individuals concerned about their appearance. Again, orthodontic insurance is unlikely to pay for this option. Your orthodontic dentist can help discover what your dental insurance will cover. Metal braces have the best chance of at least being partially covered by your dental insurance.

Of course, when shopping for orthodontic insurance, premium cost is important. You need to match your current and potential future dental needs into the equation. Plus, don’t forget about your family’s needs if you are the main financial provider. Check where you work and explore their dental plans. Many times the insurance coverage you get from the workplace is less expensive than going it alone.

If you have several children, keep their needs in the forefront of your planning. If one child needs orthodontic braces, what about the others? Some dental plans only offer a lifetime orthodontic benefit. If you think a second child in your household may need braces, perhaps you need to shop around for orthodontic insurance that will help offset future costs.

If you need to shop around for dental insurance there are PRO plans and HMO plans. The PRO plan gives you the freedom to choose from a large network of dentists. On the other hand, HMO plans typically require you to stick with one provider for the duration of the policy. Yet HMO plans provide expense free cleanings and maintenance. The PRO plan may require you to meet a deductible.

Finally, if someone in your household needs orthodontic braces it is a good idea to have ample orthodontic insurance coverage. There are many types of braces available, such as stainless steel, ceramic, and plastic. Ceramic brackets are translucent and will provide a better match to your natural tooth color. However, you should consult with your dental insurance provider to see if they will cover this type. When shopping for dental insurance ask questions, and be mindful of what is covered under the policy.