If you or your child requires orthodontic treatment, you may be wondering about the cost and whether or not your insurance will cover it. In this article, we’ll take a closer look at orthodontic insurance, including what it is, what treatments it covers, and how to find the best policy for your needs.
What is Orthodontic Insurance?
Orthodontic insurance is a type of dental insurance that specifically covers the cost of orthodontic treatment. This can include braces, Invisalign, and other types of orthodontic appliances.
Unlike traditional dental insurance, which often only covers routine cleanings and fillings, orthodontic insurance is designed to help offset the high cost of orthodontic treatment.
How Does Orthodontic Insurance Work?
Like other types of insurance, orthodontic insurance works by paying a monthly or yearly premium in exchange for coverage. Depending on your policy, you may be required to pay a deductible or a percentage of the cost of treatment out of pocket.
Most orthodontic insurance policies have a waiting period before coverage begins, typically between six months and a year. This means that you may need to purchase insurance before you actually need treatment.
What Does Orthodontic Insurance Cover?
The treatments that are covered by orthodontic insurance vary depending on your policy. However, most plans cover traditional metal braces, Invisalign, and other types of orthodontic appliances.
In general, orthodontic insurance policies do not cover cosmetic treatments, such as teeth whitening or veneers.
How Much Does Orthodontic Insurance Cost?
The cost of orthodontic insurance varies depending on your location, age, and the level of coverage you require. On average, a basic policy can cost anywhere from $15 to $50 per month, while more comprehensive policies can cost upwards of $100 per month.
If you are considering purchasing orthodontic insurance, it’s important to compare policies and shop around to find the best coverage and price for your needs.
FAQ About Orthodontic Insurance
Q: Does my regular dental insurance cover orthodontic treatment? |
A: No, most regular dental insurance policies do not cover orthodontic treatment. |
Q: Can I purchase orthodontic insurance on its own? |
A: Yes, many insurance companies offer orthodontic insurance as a standalone policy. |
Q: Will orthodontic insurance cover the cost of surgery? |
A: No, orthodontic insurance typically only covers the cost of appliances and other non-surgical treatments. |
Q: How do I know if my orthodontist accepts my insurance? |
A: Before you begin treatment, it’s important to check with your orthodontist to ensure that they accept your insurance policy. |
Q: Will orthodontic insurance cover the cost of retainers? |
A: Many orthodontic insurance policies cover the cost of retainers, but it’s important to check your policy to be sure. |
How to Find the Best Orthodontic Insurance Policy
If you are considering purchasing orthodontic insurance, there are a few steps you can take to find the best policy for your needs:
1. Research Your Options
Start by researching different insurance companies and policies to get an idea of what’s available. Look for policies that offer the coverage you need at a price you can afford.
2. Compare Prices and Coverage
Once you’ve identified a few potential policies, compare the prices and coverage to determine which one is the best fit for your needs.
3. Read Reviews
Before making a final decision, be sure to read reviews from other customers to get an idea of their experiences with the insurance company.
4. Consult with Your Orthodontist
Finally, before purchasing a policy, be sure to consult with your orthodontist to ensure that they accept your insurance and that the policy you are considering will cover the treatments you need.
The Bottom Line
Orthodontic treatment can be expensive, but with the right insurance policy, you can help offset the cost. By researching your options and finding the best policy for your needs, you can get the orthodontic treatment you need without breaking the bank.
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