Learn More about DENTAL PLANS
Does Dental Insurance Cover Braces and Orthodontist Services?
Major medical insurance plans do not typically include dental coverage. It is most often a supplemental plan that you need to purchase separately.
When it comes to braces and orthodontics, it is important to know what your dental insurance covers and what different coverage exists for both children and adults.
Why is speaking with a licensed insurance agent that specializes in Dental plan options necessary? We provide expert guidance on available HMO, PPO, and Indemnity plan options. A licensed agent will educate you on services such as; preventative, minor care, major care, physician networks, and cost analysis for the following: premiums, copays, deductibles. Throughout the enrollment process and post-enrollment, you will have a personal contact to assist with questions, claims, or concerns, should any arise.
Call us today 1-855-745-5422 or use the form to the right to have a KHP licensed agent contact you, please include preferred time and method.
Explore Your Options
What plans cover orthodontics?
In some cases, private individual and family plans offer dental insurance for braces. Employer-sponsored dental insurance plans sometimes contain this optional coverage. If you discover that your current policy does not cover orthodontics, you can supplement it with a more inclusive dental plan.
Some standard plans include the following orthodontic services for adults and children:
- Orthodontic treatment
- Pre- and post-orthodontic treatment
What dental services will low-cost dental insurance cover?
Most low-cost dental insurance plans cover basic treatments such as checkups, X-rays, and cleanings. Oftentimes, these can be covered 100%, or with a modest copayment, depending on your plan. Most plans will cover you for a regular dental checkup every six month.
Some costly procedures might be partially covered by your family dental insurance plans. Some examples of these treatments are:
- Tooth bonding
Do I have to pay a penalty if I don’t have dental coverage?
Plans inside health insurance marketplaces must offer pediatric dental coverage, however dental coverage is optional, even for children. Hence, not enrolling a child into a dental plan will not cost a penalty.
How does dental insurance work? What are my costs?
If you’ve had health insurance, you’re going to be familiar with how a dental plan works. You pay a premium, a certain amount monthly, to buy the plan.
Your deductible is what you must pay out-of-pocket for services covered by your plan before the insurance company pays.
Isn’t a dental discount plan just cheap dental insurance? What’s the difference?
Dental insurance is a type of health insurance where you pay a premium and after any deductibles or copays, insurance pays for covered dental expenses either in full or partially up to an annual maximum.
Dental discount plans operate more like price clubs. You pay a fee, and you get access to certain discounted rates at select dentists. There’s no payout from the discount plan company to your dental provider.
Can’t find the answers you’re looking for? Speak with an agent today 1-855-745-5422.