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Dental Insurance for Braces

by admin | on Apr 16, 2012 | Comments Off

Dental Insurance for Braces

Orthodontic treatment – braces – are an expensive proposition. Costs for braces are, at a bare minimum $3,000 and can run as high as $10,000 depending on the severity of the misalignment that needs correcting. Dental insurance for braces can save you literally thousands of dollars. If you have children approaching their teen years, now is the time to purchase or expand your current coverage to include dental insurance for braces.

Very few dental policies include riders for adult orthodontia, so dental insurance for braces is primarily intended for children and teens. The cheapest option for braces are old school metal braces that cost from $3,000-$5,000 and is the most common type of orthodontic treatment provided with dental insurance for braces.

Clear braces are aesthetically more appealing, but remain on teeth for longer and cost double the price of metal braces. Lingual braces are similar to the first two, but are placed on the inside of your teeth rather than the outside for a more attractive appearance. These are more painful and more expensive though. Invisalign is the gold standard for orthodontic treatment currently and cost $8,000-$10,000. These more expensive options may not be covered as fully as basic braces under your dental insurance for braces policy.

If you find that you do need to purchase dental insurance for braces, consider whether you are best served by a typical insurance policy or a discount-type policy. With dental insurance for braces, you will usually pay a co-pay or co-insurance subject to an annual maximum on top of your monthly premiums. With a discount plan, you will experience lower or no monthly premium and enjoy a flat discount amount off of the desired services.

Aspects of dental insurance for braces to consider when comparing policies are:

  • Monthly premiums
  • Deductibles
  • Co-Pays
  • Maximum Coverage/Lifetime Coverage
  • Exclusions

 

COMPARE RATES & BENEFITS

Finally, be sure to allow yourself ample time to research and purchase your dental insurance for braces before your child needs orthodontic treatment. Some policies may block out these services for the first 12-18 months after a policy is purchased, so be sure to start looking for dental insurance for braces will in advance of when you actually need the coverage to begin.

If you want to find DENTAL coverage in your state, you can call us 1(888) 649-2016 or CLICK HERE to  get a free quote and view leading companies that offer coverage in your area.

 

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