Navigating dental insurance can be complex due to varying coverage and other factors, making it challenging to determine if your child’s orthodontic treatment will be covered. It’s important to note that many insurance plans reset benefits on January 1st each year, so scheduling an appointment with an orthodontist before then is advisable if you want treatment covered under the current year’s benefits. Keep reading to understand how dental insurance typically handles orthodontic treatments and how to explore the specifics of your plan’s coverage.
Do Dental Insurance Plans Cover Orthodontics for Kids?
Most dental insurance plans generally do not cover orthodontic treatments for adults, but coverage for children under 18 varies. To determine if your plan covers orthodontic care for your family, the most reliable approach is to contact the member services number on the back of your insurance card.
If your insurance covers orthodontic costs for your child, it may not cover the entire amount, so it’s wise to consider having financing options available. After confirming your coverage details with your insurance company, you can then schedule an appointment with an orthodontist who is either in-network or out-of-network in your area. Sometimes, if you are paying out-of-pocket, you may also qualify for a discount.
What Dental Plans Cover Orthodontic Treatments?
Most dental insurance plans offer coverage for orthodontic treatments for children, but the extent of coverage depends on your specific plan rather than the provider. Some recommended PPO plans that may cover part or all of the cost of orthodontics include Aetna, Blue Cross Blue Shield (BCBS), Delta Dental, Cigna, Humana, and others.
What if Dental Insurance Doesn’t Cover Children’s Braces?
If you lack dental insurance or if your plan doesn’t cover your child’s braces, there are alternative options available to assist you. Many orthodontic practices provide flexible in-house financing plans that are interest-free. These plans allow you to spread the cost into manageable monthly payments, making it easier to fit within your budget compared to a large upfront payment.
Ensuring your child receives necessary dental care can be stressful, particularly when navigating insurance coverage uncertainties. Thankfully, there are numerous supportive providers offering flexible payment and financing options to ensure your child receives the orthodontic care they need and deserve.
About the Practice
Midtown Family Dentistry of Dallas is a trusted dental clinic committed to providing outstanding dental care for a vibrant and healthy smile. Our team of skilled dental professionals not only brings the latest orthodontic expertise but also ensures compassionate care in every aspect of treatment. We offer dental insurance coverage to help make treatments more affordable and accessible for you. To schedule an appointment or learn more about our services, please contact Midtown Family Dentistry of Dallas at (469) 290-0609 or visit our website.