Will Dental Insurance Help Pay for Braces?
Many private individual and family health plans do offer dental insurance for braces.
Similariy, employer-sponsored dental insurance plans sometimes contain this optional coverage. You can also supplement your employer insurance with a more inclusive dental plan.
Some, but not all, dental plans may include the following orthodontic services for adults and children:
- Orthodontic treatment
- Pre- and post-orthodontic treatment
Dental insurance plans that include coverage for braces and related services can help pay some of the cost of orthodontic care you need. To understand your out-of-pocket costs, you will want to look at the following:
- Premium – A monthly rate you pay for dental insurance coverage
- Deductible – The amount you pay for dental services before your insurance company begins paying a portion of the expense
- Co-pays – The cost-share amount you pay for covered dental services, usually a flat dollar amount or a percentage of the cost for the service.
- Exclusions – Dental services that are not covered or not covered if the condition existed before you purchased the dental insurance (pre-existing condition)
When you provide your dental insurance information with your patient care advisor before your consultation, we call your insurance provider to get an estimate of your benefits. We will share that estimate with you when we discuss payment for your braces.
You need to talk with your insurance provider directly also. Our patients often receive different information from their insurance provider than our insurance department receives.
Together, we can make sure you receive your maximum allowed insurance benefits.