Some patients may find that their orthodontics insurance or dental insurance will cover a certain amount towards orthodontic treatment. Dental plans vary considerably, and every company/employer has their own specifications.
Why Get Orthodontics Insurance
It is a misconception that a dental insurance and an orthodontic insurance are the same. This is not true because most of the dental insurances do not cover the costs of the orthodontic procedures as simple as getting braces fitted.
Therefore, even if you have a dental insurance you should get an orthodontic insurance for yourself as well as your family because healthy living starts from keeping your mouth clean and healthy.
People feel that getting such insurance is not that necessary because the costs involved are not that high but it is a wrong notion because the x-rays, regular checkups, retainers and much more all mount up the total costs by more than a few thousand dollars. But if you choose an insurance that gives you the maximum benefits, you can make the dental care easy as well as affordable.
You need to make sure that you go to a orthodontist who accepts your dental plan and lets you get the discounted rates for the procedures.
Orthodontics Insurance Benefits
There are innumerable benefits of getting an orthodontic insurance for your family.
The first and foremost benefit of getting one is that it makes the expenses of getting braces and all other types of procedures that have been prescribed by your dentist for keeping you oral healthy.
The second benefit that you get is that you do not require to pay the huge sum of money at one go, rather you need to pay it over a period of time.
Therefore, it is essential that you make sure that your insurance plan covers the treatments that have been prescribed by the orthodontist. Also make sure that you get the maximum benefits because an orthodontic insurance plan covers the expenses ranging from 50 percent to a whopping 80 percent. Therefore, make sure that the one you have pinned your hopes on gives you the maximum percentage of discounts in your area.
With the orthodontic insurance you not only get huge discounts for the various procedures but also the peace of mind because after getting the insurance you do not need to pay for the expenses in a bulk which allows you to stay oral healthy even while you stay in your budget.
How to Complete Your Orthodontics Insurance Claim?
If orthodontic care is included in your plan, here are some steps you should take:
– Tell your orthodontist you are an insurance dental plan member
– Ask for a pre-treatment estimate
– Send a copy with a completed claim form to your insurance
– If you have a pre-treatment estimate given to you while you are covered under insurance, send that copy to the insurance
– If you have a pre-treatment estimate approved by a prior plan, send that copy instead
When your insurance receives your pre-treatment estimate, they will send you coverage details specific to your plan.
Your first claim:
The first claim your orthodontist submits has details that will help the insurance determine your benefits.
Your first claim form must include:
– Treatment type
– Date braces were or will be put on teeth
– Total dental treatment cost
– Estimated number of treatment months
– Dental treatment code