How Does Orthodontic Insurance Work?

Did you know your insurance may help you pay for braces?

Many people don’t even consider getting braces for their kids or themselves because they assume it will be too expensive. But the truth is, there are many ways orthodontists are making braces, Invisalign and other orthodontic treatments more affordable, and one of them is accepting health and dental insurance.

The first place to look for help in paying for braces is the insurance you already have. While orthodontic care isn’t required coverage, many employers are offering medical and dental plans that include it to attract and keep good employees. Ask your human resources representative if you have an orthodontic benefit and if there are any age limits or maximum amounts your policy will pay.

Considering orthodontic treatment is not typically considered medically necessary, some insurance plans will not cover it. The best way to determine whether your insurance plan will, is by taking advantage of the free initial exam offered at Charleston Orthodontic Specialists.

Humana, a health and dental insurance provider, offers these tips:

  • Orthodontic care may not be covered if you begin treatment before you start a dental insurance plan.
  • When making an appointment, ask if your plan is accepted. Your benefits will be verified and presented to you at your exam. This will give you the opportunity to understand exactly what and how much of your treatment is covered.

The complete cost of braces generally isn’t covered, but having a portion of it covered or discounted can make treatment more affordable. Even if your insurance doesn’t cover treatment, you can often use funds from your flexible spending account (FSA) or health savings account (HSA) to cover the payments.

If your employer-sponsored insurance doesn’t provide coverage or you have reached your limit, individual dental insurance plans and dental discount plans are also options.

At Charleston Orthodontic Specialists, we accept all HMO and PPO insurance plans and we collect directly from the insurance provider, saving you the hassle of paying out of pocket and submitting insurance forms to get reimbursed. If you bring your insurance card to our office when you come for your initial exam, which is free, we are happy to contact your insurer to see what exactly is covered.

Insurance not an option? Watch for future posts on other ways to make braces affordable. Don’t let the cost of braces keep you from getting the smile you or your child deserves!


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