Our Guide to Finding the Insurance Coverage You Need
Everyone deserves to have a beautiful smile they can be proud of without having to deal with financial burdens or stress. In most cases, dental insurance is often included in employee benefit packages. However, not all orthodontic treatments are included in your benefits, so it’s good to look into what you are and are not covered for, as well as how much.
Where To Find A Dental Plan
When it comes to finding dental plans which suit your needs there are a few things you need to take into consideration. You may already be eligible for dental insurance which can cover braces through your benefits plan from work.
When you’re shopping around for the right plan for both yourself and your wallet make sure you carefully compare your options and do as much research as you can. Don’t be afraid to call and ask for quotes, most insurance companies have designated representatives for this.
You also have to remember that not all plans will offer the same things. Things like plan limitations, waiting periods, yearly costs, co-payments, and discounts can fluctuate tremendously. Depending on who the braces are for and a couple of financial variants, dental treatments such as braces may be covered by government programs.
Making a consultation with a financial advisor at an orthodontic clinic is also an option. They may be able to provide you with a couple of different options or recommend an insurance company to contact.
Benefits Through Your Employer
If you have a dental plan as part of your benefits package provided by your employer, then you can usually either opt in or out of the chosen company policy. Most of the plans will cover many of the routine procedures and will allow you to arrange a shared cost or copayment at each appointment.
Not all dental plans cover orthodontic treatments and if they do it will often only cover children who are under the age of 18. Some employers may opt for plans which cover orthodontic treatments for adults, but it would need to be discussed with the appropriate department at work.
If you currently find yourself out of work or unable to qualify for benefits at work, you can always look into independent benefit plans or plans through worker’s unions, professional organizations, and clubs. At one point, dental insurance was only available through your employer, but recently more insurance companies have begun to offer individual dental plans.
Before you enroll and depending on the reason you’re looking for dental insurance, be sure to find out whether or not the policy covers orthodontic work and if there are any age restrictions. Some individual insurance plans don’t cover those over 18 for orthodontic work such as braces.
If you choose to get braces and use your work benefits coverage for children there are usually little to no issues. However, if you’re looking for braces for an adult then you may want to double check your package to make sure you’re covered before you meet with an orthodontist.
Contact our practice for more information about insurance coverage and how we can work with you to give you the smile you’ve always wanted!