Girl with braces taking selfie

Braces can transform a smile and restore confidence in one’s appearance. Did you know that getting the smile you or your child always longed for could be less expensive than you thought? To pave the way to a beautiful smile, without breaking the bank, consider purchasing supplemental dental insurance for braces.

How Much Does Insurance Cover?

Many plans classify orthodontic treatment as a Class IV service, which are frequently covered from 25% to 50%. Supplemental dental insurance plans that cover braces may also involve a separate lifetime maximum that applies to the entire course of orthodontic treatment and is not part of your annual dollar maximum.

So, plans will cover a high percentage for your braces, but the type you choose also factors into the overall cost of realigning your teeth. Traditional metal braces cost from $3,500 to $7,000. Ceramic braces and Invisalign, clear plastic trays that snap onto teeth, both cost around $3,500 to $8,000. Fortunately, supplemental dental insurance for braces can help you manage those expenses.

How Do You Know If You (or your child) Need Braces?

To begin, your dentist can tell you if they believe you would benefit from braces. In order to send you to someone they trust, they will refer you to an orthodontist. An orthodontist is a dental specialist who utilizes a variety of methods to straighten teeth and realign bites. During your visit, the orthodontist will evaluate your teeth and tell you if braces would be appropriate.

Supplemental Dental Insurance for Braces:

  • Braces can range from $3,000 to $8,000 out-of-pocket
  • Dental Insurance can cover 25% to 50% of costs
  • Ask orthodontist for pre-treatment estimate to help determine total cost

Braces Do More than Spruce Up a Smile

Braces not only straighten teeth for a more attractive smile, they also correct crooked and overcrowded teeth. This way, you can more thoroughly brush and floss. Effective brushing and flossing are the number one way to fight cavities and gum disease.

Ask Your Orthodontist for an Estimate

Just like with a general contractor, you can request an estimate from your orthodontist to avoid surprises with your bill. Ask your orthodontist to send your insurer a pre-treatment estimate. The insurer can then provide an estimate of payments by the plan. This is just an estimate, and if additional services are needed, the charges may surpass what the orthodontist predicted. However, a pre-treatment estimate gives you a feel for what your out-of-pocket expenses may be. Then, supplemental dental insurance for braces can alleviate some of those expenses.

HealthMarkets Insurance Agents Are Here to Help

When purchasing supplemental dental insurance for braces, it is essential to understand the details of your plan to avoid any surprise costs. Call HealthMarkets at (800) 642-0607 24/7 or find a local insurance agent today.

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References

http://fairhealthconsumer.org/reimbursementseries.php?id=17 | https://www.dentalinsurance.org/blog/index.php/2014/09/does-dental-insurance-cover-braces/ | http://www.animated-teeth.com/dental-braces/a5-invisalign-braces-costs-insurance.htm

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