Most people have braces as kids and sometimes, even adults require an orthodontic treatment. Orthodontic treatment is one of the most expensive dental procedures. But that should not stop us from having our smile straightened or having our teeth in place. Do you know that you can buy a dental insurance for braces too?
let us read further and know how to get dental insurance for braces. These methods include getting insurance through your employer or your private dental insurance company who has network plans.
In short, expensive treatment should not be a demotivator for adults from seeking dental care. (1)
The high cost of orthodontic treatment makes most of us search for an insurance cover that helps us overcome this cost. Traditional metal braces cost from $3,500 to $7,00,0.
Ceramic braces and Invisalign cost around $3,500 to $8,000. Let us look at some factors why orthodontic treatment is so heavy on the pocket.
- In addition to the core braces treatment, you may need cleaning, cavity filling, and extractions.
- Once your orthodontic treatment is complete, there is a ‘retention phase’ which requires to wear a retention plate to prevent relapse of the treatment. This adds to the cost of the procedure.
- The orthodontist carries out a series of investigations in addition to regular x-rays. Lateral cephalograms, CBCT, study models, etc. are all investigations that mount up the treatment cost.
- Another reason why getting braces is so expensive is that they are made up of a complex system having many parts. Brackets, wires, elastics, bonding cement and acrylic are components that build up the cost.
While most dental procedures are covered in some way if you have dental insurance, this is not always the case with orthodontic treatment. This is because orthodontic treatment is considered an aesthetic procedure.
However, this is not entirely true as mal-aligned teeth pose more problems than just aesthetics. Mal-aligned teeth also cause speaking problems, TMJ disorders, and poor oral hygiene.
Listed below are some options for getting the most economical deal for your adult braces under an insurance cover. This will help you get affordable orthodontic care.
Employee benefit plans
Most companies cover insurance for its employees. In addition to health insurance, they also cover dental treatments. You must check with your employer or the HR department if dental insurance covers adult braces. If not, you can modify it or ask for a plan that covers braces too.
Though most plans don’t cover orthodontic treatments for adults, if yours does you must check the type of braces covered and the waiting period, if any.
Employer-sponsored insurance usually has a network of dentists that you can see to have your insurance covered. Check for the orthodontists within this network.
Personal Dental Insurance
Unlike the past few decades where insurance companies only provided health insurance, we now have dental insurance which a person can opt for, extending their health benefits. (2)
Under the Affordable Care Act (ACA), most insurance companies offer dental insurance covering braces for children, as per the ACA regulations. However, this does not include coverage for adult braces.
You can modify your dental insurance to make it inclusive of orthodontic treatment. Some companies cover a fixed amount of the cost when you get Invisalign braces.
On the other hand, some companies do not cover Invisalign at all, since it is considered a purely cosmetic procedure. This is so since Invisalign is a type of orthodontic treatment where the braces are transparent, and most people opt for it since they look better than metal braces.
If your spouse has dental insurance or even insurance covered by their employer, you can study that plan to check if you can form a tie-up or some arrangement with that plan.
Supplemental Health Insurance
Supplemental health insurance is insurance in addition to your standard health insurance. Supplemental health insurances include dental insurance, vision insurance, etc.
When you get supplemental insurance, you can check with your insurance company if the dental component comprises adult orthodontic care.
Supplemental dental plans usually have a separate cover for braces, which is not part of the annual dollar maximum. This means it will be beyond your regular health insurance. This will help you recover at least a modest cost of the treatment.
Checking with your broker
If you have an agent or a broker who manages your insurance needs, you must consult them for the best insurance plans that include adult orthodontic treatment.
They can help you compare and choose from different insurance providers and probably even customize a healthcare plan for you.
Often, we see a group of dentists practicing together at a clinic, with some formal agreement. In one place, you will find all the dental specialties, with special packages and plans. Network dentists are usually less expensive, and you will receive all your dental care under one roof.
You can inquire with them if they have a working relationship with dental insurance providers or a particular dental plan at their set up.
Dental Savings Plans
Dental savings plans are gaining quick popularity over dental insurance. A dental plan is like a membership, where you can get dental treatment at slashed rates after paying a fixed periodic fee.
The most significant advantage of dental plans is that they cover those cosmetic procedures which insurance does not take care of.
Unlike dental insurance, dental savings plans do not have an upper limit on how much you can spend annually. This means you can get your orthodontic treatment without having a cap on how much you can spend on it under the plan.
Dental plans have a network of thousands of dentists that you can consult, and choose to take treatment from. Another advantage offered by dental plans is that the paperwork required is as good as none.
This saves your resources including time, as there is no waiting period involved.
FAQs – While choosing a dental insurance for braces
Today we have a sizeable number of companies offering dental insurance catering to most of our dental needs. But how do you decide which one is best for you? Here are some questions you must keep in mind before you zero in on an insurance plan or dental insurance for braces.
How much do you need to pay annually?
This is a question you must ask your insurance company, about the annual premium to be paid as an individual or a family
What does the insurance cover?
Before you sign up for any insurance, you must read thoroughly about the investigations (x-rays) and procedures covered. If you or your family has a history of dental problems, extensive coverage is essential.
Does the insurance take care of dental emergencies?
This is to save you time and money during accidents or any emergencies concerning your oral tissues
What is the waiting period of the insurance?
You do not want to take up insurance that has a very long waiting period, lest you require an immediate filling or extraction.
Over to you on dental insurance for braces
Choosing a right dental insurance plan is as important as choosing the right dentist. Especially with expensive orthodontic treatment, it is advisable to have yourself covered. But don’t let the complexity of finding dental insurance stop you from having a perfect smile. (3)
Consulting your orthodontist and your insurance provider is the best way to go about this.