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Orthodontic Dental Insurance For When the Kids Are Growing


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Orthodontic dental insurance is one of the most misunderstood types of coverage available to consumers. There are many false assumptions where getting orthodontic care and how much it covers is concerned. Most visits to an orthodontist are very expensive, but a necessary part of life when your kids are growing up. Let's take a look at a few facts of what you'll face before you buy a policy.

#1. Standard dental insurance does NOT include orthodontic coverage. Orthodontic insurance must be purchased as a separate policy.

#2. As with all other types of policies, it does not cover any condition that is considered to be “pre-existing". This means that if you already have a problem BEFORE you buy the insurance then you will not be covered right away. You'll have to go through a mandatory waiting period of between 6-12 months and then you'll be eligible for at least partial coverage.

#3. Most standard Orthodontic plans only provide a maximum of 50% coverage. This means that if your child needs braces that cost $4,000, you'll have to pay $2,000 yourself, or half.

#4. Like other insurance policies, Orthodontic insurance policies have an annual limit on how much they'll pay. This will be different for individual and family policies, with a family policy offering a bit higher annual coverage.

Orthodontic dental insurance isn't cheap either. Unfortunately, that's the case with most types of health plans. There are other ways that you may be able to save money on braces and other dental specialties, such as discount dental plans, possibly getting the work done by students at a college or university or, in extreme cases, you may be able to get state assistance, if money is an issue. It would be in your best interest to do some research and find out what's available in your area before you spend any money on an expensive orthodontic dental insurance policy.

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