How to Determine if My Dental Insurance Covers Braces?

How important are braces?

Early orthodontics is essential for healthy growth of your child’s teeth, as they promote a healthy bite and a beautiful smile. When you first notice your kids sucking their thumb, finger or pacifier past the age of five, or perhaps an overbite or under-bite, then it’s time to get them braces.

What types of dental insurance are available?

  • Employer-sponsored dental insurance plan

Dental insurance is a privilege that employees enjoy. The level of coverage depends on the plan that the employee selects; often, the orthodontic care is limited to children under 18 years, while for some, the privilege extends to the whole family.

Ensure you confirm with the human resource department before you commence any dental treatment, as your cover may limit you to certain providers and specific types of braces.

  • Individual dental insurance

A few insurance companies offer orthodontia coverage, courtesy of the Affordable Care Act. Once you enroll in an individual dental plan, you can start enjoying various membership benefits that extend to brace treatment.

  • Dental insurance Plan helps manage early orthodontic care costs

Dental insurance premiums are relatively high, but the cost of paying for treatment in cash is way higher. It’s wise to subscribe to the dental plan that best meets the dental care needs of you and the whole family.

Considering the high cost of dental treatment, having the right insurance cover can give you some peace of mind. A comprehensive cover includes simple procedures such as oral cleanings to the most complicated procedures like root canals and tooth extractions.

However, no two insurance covers are alike, although most do share some certain similarities.

  • Find out from the insurance provider

Insurance providers usually specify the dental treatment that you will receive under each cover. If you are in doubt about the type of dental treatment that your policy covers, then you should confirm with your insurance provider to avoid any future additional costs.

  • Inquire from your dental care provider

By now you are probably used to your routine dental check-ups, so this shouldn’t be a hard discussion. Your dentist will be open enough to point out the costs that you might pay upfront for brace treatment, and those that are fully covered by your insurance cover.

A typical policy will usually cover your regular check-ups and professional cleaning at least twice a year, any cavity fillings, annual X-rays, root canals, crowns as well as remedial work on the teeth. While the insurance covers most of the cost, you might have to co-pay some dental services during your routine appointments.

  • What services are probably not covered by your current policy?

Dental benefits vary according to your coverage limits. While the policy may cover the basics of dental treatment and tooth filings, for instance, a patient who prefers tooth-colored fillings to the usual silver filings may have to pay for the difference.

Additionally, orthodontic treatment (braces), implants, dentures, dental treatment for existing medical conditions as well as cosmetic procedures are not covered by most standard covers.

However, policies may vary depending on your unique case.

Custom dental treatment covers may include oral exams, orthodontic treatment (braces), retainers after brace removal and post-orthodontic treatment including follow-ups. Sometimes, you might have to pay upfront before accessing dental treatment.

Confirm with your dental care provider to clarify those services that your insurance covers.

  • Dental policies for children differ

Insurance companies offer products that meet the criteria for the Affordable Care Act (ACA) that may include dental treatment for some children and teens under the age of 18 but only under certain circumstances.

For instance, the insurance may cover dental braces if they are essential in improving the chewing habits of your child. If you seek brace treatment for the sake of improving how your teeth look, then your insurance may cover only a certain amount of the treatment cost.

  • Why you should subscribe to orthodontic discount plans

At least four million people are undergoing orthodontic treatment at any given time, according to the American Association of Orthodontics. A significant few among these don’t have a dental cover.

Dental savings plans can help you save an average of 20-25% on orthodontics, depending on the member’s location, the savings you negotiate with the policy providers and the average rate of dental care locally.

Unlike insurance plans that take months to mature, you can use your savings plan within the first 72 hours of purchase for orthodontics and dental treatment. Furthermore, savings are not limited to adults; children too can enjoy the benefits.

A dental savings plan such as Cigna and Aetna can help cut down on your brace treatment and follow-up consultations.

  • What you need to know about Invisalign clear braces

Orthodontics using clear Invisalign braces can be highly effective yet, an expensive method of aligning teeth. For this reason, insurance companies either shy totally from covering Invisalign treatment or cover it in part.

Before you begin any treatment, find out the amount of cash you will pay upfront before you can get your clear set of Invisalign clear braces.

To determine the level of orthodontic treatment that Vita offers, Schedule with us today, and a professional will advise you on the best dental treatment for you!