Does Dental Insurance Cover Orthodontic Treatment
Dental insurance is an excellent way to cover the care of your teeth, however when orthodontic work is involved, costs can become astronomical. Obviously, it would be ideal for all dental insurance companies to offer
Dental insurance is an excellent way to cover the care of your teeth, however when orthodontic work is involved, costs can become astronomical. Obviously, it would be ideal for all dental insurance companies to offer orthodontic coverage, but that is just not the case. Each and every dental insurance policy is different, so there may or may not be orthodontic treatment coverage in your particular plan.
It is common for dental insurance policies to cover at least 50% of orthodontic treatment. This will usually entail a yearly maximum, though. Most orthodontic offices will ask that the full amount be paid up front and then the insurance will billed and they will reimburse you for your orthodontic treatment. Although this is the common method, it is not always the standard. So, consult your dentist and orthodontist for detailed information regarding coverage.
However, if your dental insurance policy does not cover braces or orthodontic treatment, there are many ways to save money when paying out of your pocket. Some dental centres offer 0% financing options. With approved credit, you can divide the total price out by one or two years. These monthly payments will allow you to receive the care you need while paying over the course of your treatment.
A separate dental policy is also an option for patients who do not have orthodontic coverage. If you are anticipating that you or your family may need orthodontic treatment, it is wise to start seeking out different insurance companies beforehand. Having the leverage in knowing that you will need the coverage in the near future is a great motivator.
A dental discount plan is another great way to save. While these are not offered at every dentist or orthodontist, it’s an excellent way to enjoy free financing without involving credit. Discount plans will offer monthly payments with an initial down payment but must be put into place before actual treatment. So, ask your dentist early if you are considering this option.You can also check out a dental school in your area. If there is one in your area, they could apply braces or other orthodontic treatment at a much lower rate.
Student discounts are sometimes offered too. Students of participating colleges or universities may receive a 30% off discount at a participating dental centre. If you are a low income family, you could possibly qualify for free government assistance when getting braces or orthodontic care.
Obviously, orthodontic treatment may be an expense, but with so many programs and plans available, every patient can have the option of a beautiful smile!Author Bio:Fiona Strobach blogs about the dental industry with a focus on orthodontics and how to make it more affordable. If you are looking to get Invisalign braces in Toronto, Fiona highly recommends that you seek out a highly qualified dentist in Toronto at one of the Dawson Dental Centres.