I have said it time and again that if you have bad bite or crooked teeth, braces should not be an option to you. You need to immediately consult your orthodontist if you think that you are suffering from any form of malocclusion. Dental braces will not just help you achieve a good looking set of teeth! They will help promote and improve oral health and wellness.
Whenever I preach this gospel to people, one of the most common questions they bombard me with, is how will I afford braces? Will braces treatment be part of my insurance? Who covers braces insurance? Which are the best braces insurances options available in the market?
Well, truth is, without insurance, your orthodontic treatment can end up stalling because the charges are so high. Braces are expensive. Yes, they will correct disproportion and any malocclusion but this comes at a price. The price of braces will almost double if you have no insurance or if your insurance does not cover orthodontics. Actually, the major medical insurance plans available in America, do not typically include dental coverage. You therefore will be required to get braces through cash payment or seek for a supplemental plan to cover your orthodontic treatment.
Before even consulting your dentist, it is very important to know what your insurance covers. Typically there are various coverage types available for both children and adults. Talk to your insurance brokers before delving into any orthodontic treatment. If you discover that your current plan does not support orthodontic treatment, you should consider researching and getting a plan that covers these services because you never know when you will need dental braces.
If you don’t have any insurance plan as yet, it goes without saying that you need to get yourself and family members covered. When looking for an ideal company for medical insurance, you need a legit, beneficial and reasonably priced insurance plan. We took our time to research and came up with some of the best companies perfect for orthodontic insurance and here are the 5 companies we thought are ideal;
Humana One offers dental insurances for orthodontic care. Basic and preventive treatments are covered with the insurance to decrease your expenses. You can choose from several dental plans of the company to fit most of your needs. These include Dental Preventive Plus, Dental Prepaid C550 and HI215 Plans, Dental Discount, Loyalty Plus Plan and Simple Choice Plan. The different plans have different advantages. This all depends on your earnings and ability to keep the insurance program going.
- Humana One Insurance Group
Humana One offers dental insurances for orthodontic care. Basic and preventive treatments are covered with the insurance to decrease your expenses. You can choose from several dental plans of the company to fit most of your needs. These include Dental Preventive Plus, Dental Prepaid C550 and HI215 Plans, Dental Discount, Loyalty Plus Plan and Simple Choice Plan. The different plans have different advantages.
- Kaiser Permanente Insurance Group
Kaiser Permanente offers three different categories for dental plans. These include comprehensive, basic and standard dental plan. Upon a visit to their office, these plans will be discussed to you in detail to identify the plan that will best fit your needs. Orthodontic care insurance can be added to any of the three plans. The company also offers a special program called the “Advantage Plus” which is for senior advantage members. They will be enjoying additional benefits including the annual dental benefit of $1000.
You can also choose Delta Dental as a dental insurance. Delta Dental offers dental plans in 3 main categories. In each category, the coverage is discussed including the amount to be discounted. Each category has certain limitations. It is also very important for you to choose a dentist within the company’s network for maximum care and maximum insurance benefits. For orthodontic care and services, remember to read the contract to know if it is included in the plan you have selected. The company provides a certain amount depending on the plan that you will be getting.
- MetLife FEDVIP Dental insurance
With MetLife, you will have the choice of either an in-network program or an out-of-network program. The main advantage of an in-network program is MetLife will be negotiating with their participating dentists to decrease expenses for up to 45%. Which is something that everyone certainly needs. You can choose from different plan covers but for orthodontic care, you will have to choose Class D. Class D plan will provide 50% for in and out-of-network orthodontic care.
There you have it, some of the most ideal options for your insurance. Check the respective websites for more information and clarifications on the insurance programs offered. Don’t struggle with orthodontic payments anymore, switch to an insurance program that will have you covered for both orthodontic and non-orthodontic treatment.