Dental Insurance that Covers Braces for Adults: Tips for Finding Affordable Coverage
For many adults, the thought of getting braces may seem daunting. However, orthodontic treatment can have many benefits, including improved oral health, better bite alignment, and a more attractive smile. While the cost of braces can be a significant barrier for many adults, dental insurance can help to make treatment more affordable. In this article, we’ll discuss dental insurance that covers braces for adults.
What is orthodontic treatment?
Orthodontic treatment is a type of dental treatment that focuses on correcting bite problems and straightening teeth. Orthodontic problems can develop as a result of genetic factors, injury, or habits such as thumb-sucking or nail-biting. Common orthodontic problems include:
- Overbite: The upper teeth protrude too far over the lower teeth.
- Underbite: The lower teeth protrude too far past the upper teeth.
- Crossbite: The upper and lower teeth don’t meet properly when biting.
- Open bite: The front teeth don’t meet when biting.
- Crowding: The teeth are too close together, causing overlapping or twisting.
Orthodontic treatment can involve braces, aligners, and other appliances that apply gentle pressure to the teeth to move them into the correct position. Treatment can take several months to several years, depending on the severity of the orthodontic problem.
Does dental insurance cover braces for adults?
Many dental insurance plans do cover orthodontic treatment, including braces, for adults. However, the specific coverage and limitations can vary widely between plans. Some plans may cover only a portion of the cost of treatment, while others may have strict eligibility requirements or a waiting period before coverage kicks in.
It’s important to review your dental insurance plan carefully to understand what orthodontic benefits are available to you. You may need to contact your insurance provider or your dentist’s office to get more information about coverage and costs.
Tips for finding dental insurance that covers braces for adults
If you’re considering orthodontic treatment as an adult, here are some tips for finding dental insurance that covers braces:
1. Review your current dental insurance plan
If you already have dental insurance, review your plan to see if orthodontic treatment is covered. If so, find out what the coverage limitations are and what your out-of-pocket costs will be. If your plan doesn’t cover braces for adults, you may need to consider switching to a different plan or purchasing a supplemental insurance plan.
2. Look for dental insurance plans that specifically cover orthodontics
Some dental insurance plans are designed specifically for orthodontic treatment and may offer more comprehensive coverage than traditional dental plans. These plans may have higher premiums, but they can be a good option if you need extensive orthodontic treatment.
3. Consider a discount dental plan
Discount dental plans are not insurance, but they can help you save money on orthodontic treatment. These plans offer discounted rates on dental services, including orthodontics, when you visit a participating dentist. However, you will need to pay for the services out-of-pocket.
4. Check with your employer
Some employers offer dental insurance plans that cover orthodontic treatment for their employees. If you have dental insurance through your employer, ask your HR department or benefits administrator about orthodontic coverage.
5. Compare dental insurance plans
Before selecting a dental insurance plan, compare several plans to find the one that best meets your needs and budget. Look for plans with low deductibles and copayments, and make sure the plan’s network of dentists includes providers in your area.
Orthodontic treatment can have many benefits for adults, but the cost of treatment can be a barrier for many people. Dental insurance that covers braces for adults can help to make treatment more affordable.