Cameron Diaz, Brandi, and Tom Cruise are just three celebrities that have used dental braces to straighten up their smiles, and they are far from alone. According to the American Association of Orthodontists, about 75% of Americans could benefit from orthodontic treatment, including
braces.If you have a child, the American Academy of Periodontology recommends that you have your child seen by an orthodontist for evaluation by age 7, which means that you better make sure that your dental insurance covers orthodontic treatment for them! If not, you should consider purchasing a supplementary dental health plan for your family, as the cost of braces or other orthodontic treatment is pretty unpalatable without a dental health plan that covers them.
Not All Dental Plans Cover Orthodontics
The problem is that many dental insurance plans do not offer coverage for procedures done by orthodontists at all! Furthermore, there is no such thing as a policy that covers only orthodontist procedures. So, if your current dental plan doesn't cover them, you effectively have no orthodontist insurance.
Fortunately, for a modest increase in your monthly premiums, many group and individual dental plans can include coverage for orthodontist work. If, for whatever reason, your company's benefits manager doesn't offer you the flexibility to get extra coverage in the company plan for your own needs, then you may have to purchase a supplemental plan to get the coverage you want. Furthermore, many companies will allow you to opt-out of the group plan completely and get partial reimbursement for whatever plan you choose for yourself and your family.
Lastly, if you do not have dental insurance through work or if you do have it but it doesn't cover orthodontic programs, you should strongly consider getting a Discount Dental Card if you think that you or a family member will require orthodontist work in the near- to mid-term. Before should make sure that your current plan offers that coverage or else start thinking about other coverage options.
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