Which Companies Cover Orthodontic Treatment
Most dental insurance companies have a plan or plans that include some type of orthodontic benefits. These benefits will often cover braces, Invisalign, and at-home aligners. But if you want more information on specific insurance providers, take a look at our specific provider guides:
Other Options If Youre Not Covered
What if youre ready to get started with braces or aligners, but your current insurance plan doesnt cover the treatment you want?
If you have a Health Savings Account or Flexible Spending Account , you can use either one to pay for your treatment. These accounts deduct money from your income before taxes and lets you use it for qualifying medical and dental expenses. Theyre often an option with plans sponsored by employers, and if you have one, you can use its funds to pay for your orthodontic treatment. Even if you received partial coverage from MetLife, you could use an HSA or FSA account to pay the remaining balance.
Otherwise, you can look for other ways to make the price tag more manageable, like financing plans. Dentist and orthodontist offices will usually offer payment plans, as will most at-home aligner companies, although a credit check might be necessary to qualify. Or, you can check out third party options like CareCredit, which provide financing specifically for medical and dental expenses .
Average Cost Of Dental Insurance That Covers Braces
The average cost of dental insurance depends on several factors. A fee-for-service plan costs an average of $65 per month, but insurance and discount plans can cost much more or less than that. Plans that include coverage for braces may cost more, but it again, it varies from plan to plan.
What impacts the cost of dental insurance?
Read Also: Does My Car Insurance Cover Broken Windows
At What Age Should My Child Have An Orthodontic Exam
Some dental growth and development problems are best treated early, even while all of the baby teeth are still present . The most important thing to do is to take your child for regular dental check-ups. Your childs general or pediatric dentist will be able to track any potential dental issues that arise, and they can decide if, and when, your child may need minor intervention or a full orthodontic screening. They can also help you determine the best time for evaluation and treatment by an orthodontic specialist, or if one is needed. The American Association of Orthodontists recommends a first evaluation visit to the orthodontist no later than age 7.
What is the best age to be fitted with braces?
Are Porcelain Veneers Covered By Insurance Rates
Are the veneers insured? If you’ve been interested in porcelain veneers, you’ve probably wondered how much they cost and whether they are covered by your dental insurance. The answer is that porcelain veneers are generally not covered by dental insurance, although they will be happy to call your insurance company and ask.
Read Also: How To Obtain A Life Insurance License
Choosing The Best Delta Dental Plan For Orthodontic Coverage
To choose the best plan for Delta Dental orthodontic coverage, patients should head to the Delta Dental website and go to their insurance products page. On this page, there is a chart with a brief summary of what each general type of Delta Dental insurance plan will cover and other basic facts about each plan. Furthermore, there is a search function in which patients can type in their state to find out more specific information for what types of Delta Dental insurance plans are offered in their state and what may or may not be covered.
Does Healthnet Cover Braces For Adults
If youre a Health Net Medi-Cal member looking for orthodontic treatment theres good news. You can receive a discount on adult and child orthodontic treatment if you live in Los Angeles and Sacramento counties. Plus, you are now able to get braces through Health Nets Discount Program for Orthodontics.
Read Also: Is Metlife Dental Good
How Much Do Braces For Adults Cost In Hong Kong
The cost of dental care in Hong Kong is on the higher side. Government-provided emergency dental services – which are only available for extraction and pain relief – are available at designated clinics. Most people have no option than to turn to private clinics, which can be very expensive particularly when you are looking for specialized services such as orthodontics. The cost of braces and other dental services can vary from HK$30,000 to $150,000 based on the severity of the case, appliances used, and specialists involved.
What Plans Cover Orthodontics
In some cases, private individual and family plans offer dental insurance for orthodontic care. Employer-sponsored dental insurance plans sometimes contain this optional coverage. If you discover that your current policy does not cover orthodontics, you can supplement it with a more inclusive dental plan.
A number of dental plans may include the following orthodontic services for adults and children:
You May Like: How To Obtain A Life Insurance License
Is The Cost Of Invisalign Covered By Dental Insurance
This option is usually a little more expensive than traditional braces, but some dental insurance policies cover a fraction of the cost. Although Invisalign is not covered by dental insurance, some insurance companies will add a flat fee to the price. What dental services are related to orthodontics?
Guardian Dental Program Procedural Limitations By Frequency Or Age
Im Covered Under Two Dental Plans How Is My Coverage Handled
Delta Dental will coordinate benefit with other dental plans. One of your dental plans will be considered primary, meaning that dental plan would receive the claim first for payment, and then the claim would go to your second, or secondary dental plan. Generally, if you are covered as an employee and also as a dependent of an employee at another company, the coverage through your employer is primary. Children covered by parents who work for different employers are usually primary under the plan of the parent whose birthday occurs first in the calendar year .
In determining coverage, total payments from both dental plans cannot exceed 100% of the approved fee for the service. Please note, that some groups have specified a carve-out clause in their dental programs that might limit a secondary carriers payment. If you have a question about the Coordination of Benefits between two plans, please contact our Customer Service team.
Specific Aspects Of Treatment Paid For By Your Delta Dental Insurance
Your Delta Dental insurance coverage helps pay for some basic services, sometimes without question. These services include:
- Initial exams and pre-treatment exams
- Treatment planning sessions
- Some x-rays before and after treatment
- Select orthodontic treatments
- Tooth extractions
As you can see, orthodontic coverage using your Delta Dental insurance makes affording treatment easier. Knowing your benefits in advance and gaining pre-treatment estimates can help reduce stress about straightening your teeth or going through other important procedures.
Recommended Reading: Delta Dental Insurance Walmart
Discount Plants For Invisible Braces
Different invisible braces companies offer a variety of discount plans for invisible braces. Many of them will offer special discounts for students, teachers, and military service members. SmileDirectClub, for example, offers a $100 military discount with the code MILITARY2020.
Aside from the discounts listed above, some invisible braces companies will also offer financing options through third party companies like CareCredit, which makes paying off the total cost of your invisible aligners an easier process.
Does My Dental Insurance Cover Cosmetic Services
Dental insurance usually does not cover cosmetic dental procedures that are absolutely not medically necessary. But different situations blur the line between medically necessary dentistry and purely cosmetic dentistry. For example, a patient sometimes needs dental treatment because he has had an accident.
You May Like: How To Obtain A Life Insurance License
Do You Need To Remove Teeth For Braces
Do You Have to Get Teeth Extracted Before Braces? Not all cases require teeth extractions before beginning braces treatment. In fact, only a small percentage or orthodontic cases require extractions. Your orthodontist will decide if extractions are necessary to achieve a healthy bite and a beautiful smile.
Caring For Childrens Braces
Braces can create opportunities for bacteria to thrive, when not cared for properly. Food stuck in wired braces feeds bacteria, leading to tooth decay and gum disease. Children with braces should brush after every meal and floss daily to remove food particles and to prevent infections and cavities. Depending on the childs oral hygiene and diet, professionally applied fluoride treatments 2-4 times per year may be beneficial. Certain foods can damage braces, like gum, sticky candy and popcorn, and should be avoided. Children with plastic aligners should remove them during meals. Caring for braces can prevent dental issues down the line.
Some final thoughts Braces are expensive there is some discomfort and pain involved it can be a long process, especially if the treatment is done in two phases the child must be cooperative and practice good oral hygiene or they could end up with straight teeth but cavities and gum problems. Overall though, braces can be a great long-term investment in a childs health and well-being.
AAO A Beautiful Smile For Everyone American Association of Orthodontists. www.youtube.com/watch?v=D41oX_PnAvA Accessed July 2018.
Braces. Mouth Healthy, American Dental Association. www.mouthhealthy.org/en/az-topics/b/braces Accessed July 2018.
Outcomes in a 2-phase randomized clinical trial of early Class II treatment. Tulloch JF, Proffit WR, Phillips C. Am J Orthod Dentofacial Orthop. 2004 Jun 125:657-67.
You May Like: Does Insurance Cover Teeth Bonding
What Dental Services Fall Within Orthodontics
Its a good idea to understand the services that are typically associated with orthodontics before you evaluate your dental insurance options. According to the American Association of Orthodontists , an orthodontist provides procedures to fix teeth that result in conditions such as dental overbites, underbites, and crowded or misaligned teeth. These issues can be fixed by slowly applying pressure on specific teeth to coax them into place without surgery. Often orthodontic treatment involves the following services:
- An initial evaluation, which may include x-rays of the jawand teeth, and treatment planning, as indicated
- Tooth removal if needed to correct overcrowding
- Routinely scheduled treatment visits
- Orthodontic appliances, including braces and/or a retainer
Orthodontists design and fit appliances to realign teeth and jaws to produce and maintain normal function and to improve appearance. Among the most common orthodontic appliances are:
For children, dental insurance for braces may be required in some states, but this does not cover every situation.
Dental insurance plans may cover orthodontics for adults, but if the treatment is desired for purely cosmetic reasons it is usually not covered.
How To Get Orthodontic Coverage With Delta Dental
Orthodontic coverage isnt something you need to buy separately its simply included in certain Delta Dental plans. There are two ways to get enrolled in a suitable Delta Dental plan: through your employer, or by purchasing an individual plan.
About half of all adults in the US receive dental insurance through their employer . There are a couple of advantages to enrolling in dental insurance through an employer plan. For one thing, insurance premiums get deducted directly from your wages before tax, reducing what you owe in taxes. For another, employers often contribute toward the cost of their plans, which results in lower premiums.
However, there are also some important drawbacks with employer-sponsored dental plans. First, youre limited to the plan options offered by your employer. This can be especially problematic if youre interested in braces or clear aligners, as many dental insurance plans do not cover orthodontics, or offer very limited coverage. Second, employer-sponsored dental plans are often bundled together with health plans, so you may need to wait for an open enrollment period to modify your plan. Lastly, many companies simply dont offer dental insurance at all!
Recommended Reading: What Is The Minimum Age That A Person Can Obtain A Life Insurance License
Orthodontist Near Me That Accept Cigna Ivanov Orthodontics Accepts Cigna Dental Insurance
Finding an orthodontist near me that accepts Cigna can be especially important if you need braces. Cigna dental insurance braces make sure that your braces are covered as a part of your insurance plan. This is true of a wide variety of insurers but whether your provider is Cigna or others it is important to make sure that braces or other procedures you particularly may need, are actually covered. It doesnt do you any good to have a great price on certain treatments like regular cleanings if your biggest cost is going to be tooth extractions, braces, Invisalign, or other corrective procedures.
Guardian Dental Program Limitations By Best Practice Or Cosmetic Determinants
You May Like: How To Obtain A Life Insurance License
How To File A Claim
For in-office treatments like braces and Invisalign, your dentist or orthodontists office will file an insurance claim on your behalf, so you dont have to worry about any paperwork or other correspondence. Theyll only do this, however, if they are in-network with Delta. If you choose an out-of-network dentist or orthodontist, you may need to file the claim yourself. If you receive insurance through your employer, their H.R. department may be able to walk you through the process.
Fortunately, Delta provides step-by-step instructions for how to file a claim on your own. You will need a Statement of Treatment from your dentist, so be sure to contact their office to get that information.
Home aligner companies may or may not. Byte, for example, will walk you through the entire process. Theyll fill out your claim so that there are no mistakes and theyll also handle any ongoing communication or appeals with the insurance provider. SmileDirectClub and Candid will also help you check on your coverage and file claims, but they dont go quite as far as Byte.
Other companies leave the insurance process up to you. In these cases, youll need to download the correct claim form for your insurance provider and fill it out completely. Contact the home aligner company with any questions because a single mistake on your form can get your claim denied.
After your claim is filed, the insurer will process it in a few weeks, or it could take a couple of months.
Your Coverage For Invisalign And Other Dental Care Might Be Capped At A Certain Amount Such As $1500 Or $5000 Per Year Depending On Your Policy
What dental insurance covers invisalign braces. To save money, sign up for dental insurance that covers invisalign! You can find plans that cover orthodontic treatments for adults. This is more often the case when you switch to a cigna plan from another insurer that covers invisalign
Orthodontics using clear invisalign braces can be highly effective yet, an expensive method of aligning teeth. Call your insurance provider or speak with your dental professional to determine if your insurance will fund the technique. That said, cigna also warns that braces usually fall under cosmetic dentistry, which is usually not covered if you are 18 or older.
The dental insurance plan will usually pay a certain percentage for orthodontic care and sometimes limits amount for various coverages. Orthodontic care is a benefit on most dental insurance plans. Even if invisalign is not specifically covered under a dental insurance plan, some insurance companies will contribute a fixed amount of money toward the cost.
Several factors can affect the cost of orthodontic care, including the recommended type of treatment and whether you have dental insurance. What does dental insurance for braces typically include? Total coverage unlike other insurance plans, our invisalign insurance also covers treatment needed before orthodontics, such as habit appliances and expanders, as well as any retainers needed after invisalign.
Pin on braces
Don’t Miss: How To Obtain A Life Insurance License
What Does Dental Insurance For Braces Typically Exclude
When orthodontics is included in dental plans, strict limits typically apply. Orthodontic insurance generally has lifetime limits that fall far short of the total cost of coverage. Even with a quality dental policy in place that includes coverage for orthodontics, you may still have to pay thousands of dollars out-of-pocket for braces and similar treatments.
Some policies have individual limits to keep coverage to a certain level. If you have a policy lifetime limit, you could run out of coverage when treating your first child before a second one even starts braces.
This is why discount plans can be a good way to save on braces on top of what you get from your dental insurance. Some savvy shoppers choose a discount plan in addition to their regular dental insurance. This can offer discounts on braces at a low annual cost without changing dental plans.