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Does Dental Insurance Cover Orthodontic Treatments?

October 21, 2020

Filed under: Uncategorized — drcoughlin @ 8:29 pm
Closeup of girl smiling with braces

Are you or your child interested in straightening your teeth with braces? You’re not alone. According to the American Association of Orthodontics, almost 4 million children undergo orthodontic treatment in America annually. Plus, one-third of all orthodontic patients are adults. Since this popular treatment can add up quickly, you may be wondering if your dental insurance will cover the cost. If you’ve asked yourself something similar, here’s what you need to know about orthodontic treatment coverage!

So, Does Dental Insurance Cover Orthodontic Treatments?

Since each dental plan is unique, it is best to check with your provider for an exact answer. However, typically, treatment desired for purely cosmetic reasons isn’t covered. That being said, there are a few cases where the entirety or a portion of the cost of braces is included in your benefits. For example, if braces are needed to fix bite issues that make it difficult to chew properly, then you may be eligible for coverage. Additionally, some insurance providers cover treatment for dependents under the age of 19!

3 Tips to Maximize Your Coverage

Having dental insurance is one thing, but utilizing it fully is another. To avoid leaving wasted dollars and unused coverage on the table, use the below tips to maximize your benefits:

  • Check your plan for any coverage limits – Annual maximums reset when your plan does. So, if you haven’t met your coverage limit, see if the remaining balance can be used toward orthodontic treatment.
  • Use your FSA dollars – A Flexible Spending Account allows an employee to set aside a percentage of their paycheck for medical-related expenses, including orthodontics. Since there is generally a “use it or lose it” clause, ask whoever handles your benefits how many FSA dollars you have available.
  • Utilize your benefits before January – Like many dental plans, yours may reset in January. That means you have until December 31st to utilize your coverage before it renews!

How Your Dentist Can Help

Understandably, the unfamiliar jargon and pages of paperwork included in your dental plan make reviewing the fine print headache-inducing. Fortunately, your dental team can assist! In addition to helping you understand your coverage, they can file the claim on your behalf to streamline the process. Plus, many practices have financing options to break up the cost of treatment into manageable, monthly amounts. So, if you are considering braces for yourself or your child, get in touch with your dental team today!

About the Practice

With a hand-selected team of talented dental professionals in-house, a comprehensive array of services under one roof, and world-class care that is second to none, it’s not surprising that patients in Richardson and the surrounding communities trust Breckinridge Dental & Orthodontics with their smile. Plus, they have an affordable payment plan to fit braces into your budget, so cost won’t stand in the way of straightening your teeth! If you are interested in getting braces for yourself or your child, visit their website or give them a call at 972-248-9119.

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