Do you know that your normal dental insurance won’t cover your orthodontic procedure? For that, you ought to have a special orthodontic insurance.
If you thought braces were only for kids, think again. An increasing number of adults are availing orthodontic services such as braces and other things. Orthodontic procedures are a part of cosmetic dentistry, meaning, these procedures are aimed at improving physical appearance. In most cases, these procedures do not treat any underlying condition that might affect the individual’s physical or dental health. As a result, they are not considered as ‘essential’ by insurance companies. Hence, your normal dental insurance won’t cover the expenses of an orthodontic procedure. The companies that cover orthodontic procedures offer their coverage only to kids. As a result, adults are often left to bear the expense out of their own pockets. However, some companies are now coming with plans for orthodontic insurance that are meant for adults.
Why Do You Need an Orthodontic Insurance Plan
One must note that orthodontic dental insurance is as different from usual dental insurance. Your usual dental insurance plan covers diagnostic and preventive dental health care procedures. However, orthodontic procedures are more extensive, and use an array of advanced equipment and dental devices. Orthodontic braces is a good example of dental devices commonly used in this. Due to the involvement of such high-end equipment, the cost is very high as compared to normal dental procedures. The average cost of braces itself is around $5,000. Add to that the cost of various pre-treatment procedures such as X-rays and taking molds. Besides, the procedure is completed over a course of time. These treatments may take 2 to 5 years for completion. During this time, you are required to visit your dentist’s clinic for several times. All this results in a hefty bill from an orthodontist at the end of the treatment. Even the most basic orthodontic treatment does not come under $2,000.
Orthodontic Insurance for Adults
Any good orthodontic insurance plan should cover at least 50% of the expenses. The exact amount is determined by the particular plan you opt for. There are various payment options to choose from, such as monthly and annual premiums. Choose a plan that covers up to 80% of the cost of all orthodontic procedures, including the cost of the braces. A family insurance plan may help you to cover the entire family. Check if there is a waiting period for your plan or you can avail the benefit on the same day as you enroll for it. Dentemax Discount Dental Plan is a good orthodontic insurance plan for adults. It costs a little over $100 in terms of annual premium. You can also upgrade your plan to cover the orthodontic expenses of your entire family, though at an additional cost.
Other orthodontic procedures such as smile correction may also be included in some insurance plans. While choosing one, it is best to rely on insurance companies with good reputation and commendable history. Avoid going for unreliable online companies which offer lucrative schemes and plans.