Some dental insurers don’t cover orthodontics. This doesn’t make sense to orthodontists. Straightening teeth can prevent expensive dental problems. These include tooth decay, treatment for bite problems, and gum disease.
We all know that dental insurance companies rarely make coverage decisions based on what is best for the patient.
However, you shouldn’t give up on braces if your dental insurer doesn’t cover them. You may be able to get coverage for part of the procedure. Or your medical insurance may cover part of the treatment plan.
What to do if your dental insurer doesn’t cover braces.
- Have your orthodontist provide a detailed implant treatment plan in writing
- Armed with your treatment plan, talk to both your dental insurance company and your medical insurance provider
- If misaligned teeth have medical complications like a TMJ disorder, your health insurance provider might cover some components of the treatment
- Consider switching dental insurance companies–if your employer offers more than one dental option, contact the other provider(s) to find out if they cover braces
- Pay for braces instead of premiums: consider not renewing your dental insurance and use the money saved toward the cost of braces
- Look into orthodontic-specific insurance–some companies are filling a need in the industry by offering dental insurance designed specifically for braces and related services
- Ask Burlingame Smile Studio about financing and payment options
- If your employer offers a health savings account (HSA), consider allocating money previously spent on dental insurance to your HSA and receive potential tax benefits
Braces are a wise investment in your health and quality of life. If you need braces but your insurance doesn’t cover them, speak with us at Burlingame Smile Studio.
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