Your Dental Insurance Plan—Orthodontic Insurance
Typically, health plans don’t cover dental and orthodontic care, orthodontic health insurance is covered by a supplemental dental insurance. If you want to get a good dental plan that will provide you with orthodontic insurance, there are a few things you should consider to make your choice. Shopping around and getting orthodontic insurance quotes is always a good way to save
money, but you should also consider the fact that orthodontic insurance providers may have different orthodontic coverage for adults and kids.
Depending on your needs and the type of orthodontic care or services you are looking for, there are different orthodontic plans that will work better for you. But before choosing any you must know a few things. Read on to know what these things are.
What Are Orthodontic Services?
Orthodontic services would include various types of braces, Invisalign clear aligners and some other specialty dental care and treatments. Not all dental insurance plans include coverage for orthodontic treatment, so before purchasing any dental plan it’s important that you read your plan materials carefully weather it includes orthodontic services or you need to purchase a supplemental orthodontic coverage separately.
Orthodontic Insurance Coverage for Adults
Usually, dental insurance is included in an employee’s health care package, allowing the employer to decide on the plan and level of coverage. But all dental plans don’t include orthodontic treatment, and if they do, it is limited to children under the age of 18. Some of the employers may choose plans that have orthodontic coverage for adults too. You can check with your human resources department to confirm whether your dental plan has adult coverage.
It’s not too long ago when dental insurance was only available through your employer, but more insurance companies are now offering individual dental plans. Unfortunately most of individual plans don’t offer orthodontic insurance coverage for adults.
Orthodontic Insurance for Child
Most of the medical insurance plans do not include dental or orthodontic coverage. You often have to purchase a supplemental orthodontic insurance plan separately.
When you purchase a health insurance, you must be offered an option to purchase dental insurance that meets the criteria of the Affordable Care Act (ACA) for your children under 18. But whether or not you purchase it is up to you.
Dental policies for children vary from state to state and cover different services. For kids, dental insurance for braces may be required in some states, but this does not cover every situation. For example, in most of the orthodontic insurance for child braces could be covered if they are necessary to improve a child’s ability to chew his food properly.
How to Choose the Right Dental Plan for Orthodontic Care?
Before purchasing an orthodontic health insurance, make sure that the dental plan you’re considering covers orthodontic services. You should review the plan materials to learn about covered and non-covered services, such as braces and other orthodontic treatment options.
Most dental plan providers have their own network of orthodontists. Make sure that if there’s a certain orthodontist you want to see that they are the part of your plan’s network. You’ll save money when you stay in-network. You should check your plan for any coverage limits because you may only have a certain amount of money you can spend per year and be covered for orthodontics. You can get orthodontic insurance quotes from different providers to choose the best one.
Orthodontic Experts Accepts All the Major Insurances
At orthodontic Experts. our orthodontic specialists are excited to provide top quality orthodontics treatment to the residents of Illinois and Colorado. We accept most major dental insurances including Blue Cross Blue Shield, Delta Dental, Metlife, Cigna, Guardian, United Healthcare, Medicaid and more!
If you have any questions, don’t hesitate to contact us, just give us a call and we will be happy to help you or schedule an appointment for you. As always, if you have any questions regarding insurances, payment plans, flexible spending or health savings accounts please feel free to call the office, we’re are here to help!