While many dental plans include coverage for orthodontic appliances, consider any additional costs that may be part of your treatment. Knowing exactly what treatments you need will help you find dental insurance that covers orthodontic appliances. Once your orthodontic treatment begins, follow the terms of your plan closely so you can take advantage of discounts that you qualify for under your dental insurance plan. 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 find that your current policy doesn't cover orthodontics, you can supplement it with a more inclusive dental plan. Fortunately, Spirit Dental offers affordable dental insurance for orthodontic appliances and other types of children's orthodontics. With the right policy, you can rest easy knowing that you are saving money while giving your child the dental care they need.
If you need dental insurance with orthodontic coverage for adults, there's good news. Comprehensive dental insurance plans can cover orthodontic work for adults if it's for health reasons. Insurance plans don't cover orthodontic appliances if they're purely cosmetic. If your dental insurance doesn't cover dental appliances, consider buying a supplemental orthodontic plan or enrolling in a dental discount plan.
Many dental insurance plans cover orthodontic insurance for children under 18 if braces are considered to be medically necessary. Not all dental insurance plans offer orthodontic coverage, but sometimes orthodontic insurance can be added to an existing dental insurance plan as supplemental orthodontic insurance. Standard dental insurance usually doesn't offer coverage for adult orthodontic appliances and other orthodontic coverage for adults 18 and older, because for adults it's often considered a cosmetic procedure. It's a good idea to understand the services that are typically associated with orthodontics before evaluating dental insurance options.
While braces are often included in dental insurance plans for children, they may not be covered for adults. Dental insurance that includes orthodontics can help you save hundreds or even thousands of dollars during the course of treatment. That restriction applies even if you get a new insurance plan with a new job if the plan is provided by the same insurance company. When considering what dental insurance is right for you and your family, you should consider a plan that offers orthodontic insurance.
That said, it's not entirely unreasonable that your dental insurance can cover orthodontic appliances, so be sure to talk to your policy provider if you're not sure. Karrenbrock says that while funds from health savings accounts (HSA) and flexible spending accounts (FSA) can be used to pay dental bills, there is no difference in price. Take a look at the table below for an overview of the different ways to save money on orthodontic appliances through the best orthodontic insurance and discount plans. When it comes to orthodontic and orthodontic appliances, it's important to know what your dental insurance covers and what different coverages exist for both children and adults.
The good news is that you can save on expensive orthodontic care for your children with a Spirit orthodontic insurance plan. No, double billing by insurance companies is illegal, but you can have one company cover what the other company doesn't cover if the policy allows it.