Going to an orthodontist for orthodontic care is very necessary if you want to fix your crooked teeth or bad bite. Aside from making your teeth look a lot better especially when you smile, orthodontic care can also help promote oral health and wellness.
Orthodontic care is mainly focused on fixing teeth misalignment due to disproportion of the jaw and irregularities of the teeth. It is a part of dentistry that does not only provide proper teeth appearance but overall good looks as well.
In order to promote teeth alignment, braces and retainers are applied by qualified dental professionals.
These braces and retainers are made using special materials to prevent them from causing damages to theteeth. The materials used, however, are usually expensive.
The orthodontist also performs regular oral checkup to continuously monitor the condition of the teeth. Regular changing of braces rubber is also done, adding to the patient’s expenses. Knowing all these, having an orthodontic care is indeed costly. However, since the appearance of your teeth is extremely important, orthodontic services are deemed vital. You would worry less about spending on your orthodontic care if you have an orthodontic insurance.
A dental orthodontic insurance company is a company providing financial support to individuals needing orthodontic care. When choosing an orthodontic insurance, you should make sure that it is legit and beneficial. 5 of the best companies for good and reasonably priced orthodontic insuranceinclude the following:
1. Humana One Dental Insurance
Humana One offers dental insurances for orthodontic care. Basic and preventive treatments are covered with the insurance to decrease your expenses. You can choose from several dental plans of the company to fit most of your needs. These include Dental Preventive Plus, Dental Prepaid C550 and HI215 Plans, Dental Discount, Loyalty Plus Plan and Simple Choice Plan. The different plans have different advantages. You can ask for more information regarding these plans when you visit their office or you can contact them online.
2. MetLife FEDVIP Dental
With MetLife, you will have the choice of either an in-network program or an out-of-network program. The main advantage of an in-network program is MetLife will be negotiating with their participating dentists to decrease expenses for up to 45%. You can choose from different plan covers but for orthodontic care, you will have to choose Class D. Class D plan will provide 50% for in and out-of-network orthodontic care.
Dental Network provides an affordable dental program in all 50 states. It does not only include ordinary dental preventive procedures such as teeth cleaning and filling but it also covers orthodontic treatments. When enrolled to the program, you can enjoy up to 70% discount on the services of your orthodontist as long as he or she is included in the list of participating dentists. If your dentist is not included, the company can contact him so he can be included as a provider. For more information regarding Dental Network, you can contact them online or visit any of their local centers.
4.Kaiser Permanente
Kaiser Permanente offers three different categories for dental plans. These include comprehensive, basic and standard dental plan. Upon a visit to their office, these plans will be discussed to you in detail to identify the plan that will best fit your needs. Orthodontic care insurance can be added to any of the three plans. The company also offers a special program called the “Advantage Plus” which is for senior advantage members. They will be enjoying additional benefits including the annual dental benefit of $1000.
5. Delta Dental
You can also choose Delta Dental as a dental insurance. Delta Dental offers dental plans in 3 main categories. In each category, the coverage is discussed including the amount to be discounted. Each category has certain limitations. It is also very important for you to choose a dentist within the company’s network for maximum care and maximum insurance benefits. For orthodontic care and services, remember to read the contract to know if it is included in the plan you have selected. The company provides a certain amount depending on the plan that you will be getting.
Conclusion
Not all dental insurance companies offer orthodontic care advantages. In choosing a dental insurance company, make sure that it is legitimate and that it offers the best available benefits. Do not avail of cheap orthodontic insurances because there’s a big chance that they only offer very minimal coverage and benefits. In the end, you may wind up paying all of your orthodontic expenses.
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FAQs
Anthem Blue Cross Blue Shield (BCBS) stands out as the best dental insurance company for no waiting periods because of its cost-to-value proposition, high annual maximum benefit, and strong coverage for basic and major dental care.
What is the best orthodontic insurance? ›
Summary: Best Dental Insurance for Braces
| Company | Forbes Advisor Rating | Top-scoring plan |
|---|
| Anthem | 5.0 | Essential Choice PPO Platinum |
| Guardian | 5.0 | Diamond |
| Ameritas | 4.0 | PrimeStar Total |
| Cigna | 3.5 | Cigna Dental 1500 |
Feb 1, 2024
Anthem Blue Cross Blue Shield (BCBS) stands out as the best dental insurance company for no waiting periods because of its cost-to-value proposition, high annual maximum benefit, and strong coverage for basic and major dental care.
Is orthodontics insurance worth it? ›
Although premiums and deductible costs can differ based on coverage limits and other conditions, orthodontic insurance can make a big difference when it's time to have a procedure. Getting braces without orthodontic or dental insurance can cost between $3,000 and $10,000.
Who is the largest dental insurance company in us? ›
Largest dental plan providers
| Rank | Company | Total participants |
|---|
| 1 | Delta Dental Plans Assn. | 54,000,000 |
| 2 | MetLife Inc. | 20,000,000 |
| 3 | Aetna Inc. | 13,700,000 |
| 4 | CIGNA | 10,300,000 |
6 more rowsApr 22, 2011
Five Ways to Pay for Braces
- Organize a Payment Plan. Most people don't pay for their braces in one lump payment. ...
- Contact Your Insurance Company. If you have health insurance, then contact your company and find out what's covered under your plan. ...
- Join a Dental Plan. ...
- Investigate Government Programs. ...
- Dental Charities.
The difference is that lingual braces attach to the back of teeth. This makes them essentially invisible to others while smiling, so the patient can keep a great smile throughout treatment. Lingual braces are the most expensive braces option in most cases.
Is Cigna a good insurance company? ›
Is Cigna good insurance? Cigna is a good insurance company, but it isn't usually the best option for most people. Even in the states where its rates are cheaper than the state average, Cigna usually isn't the cheapest health insurance. And its customer satisfaction is typically lower than average.
What state has the best dental prices? ›
It also found that Utah has the lowest percentage of adult smokers and West Virginia has the highest percentage. As far as dental treatment costs go, five states tied for the lowest costs. Those states included Alabama, Kentucky, Mississippi, Tennessee and Texas.
Is Aflac dental worth it? ›
Dental insurance is worth it if you are looking for additional support for minor and major dental procedures. With an Aflac dental insurance plan, the costs of cleanings, crowns, bridges, and implants can be significantly minimized. For some of our basic and preventative services, there is little to no waiting period.
Most dental insurance plans focus on covering orthodontic treatments for children and teenagers, as they recognize the significance of early intervention. Therefore, most insurance plans may not cover adult orthodontics, or they may have very limited coverage for adults.
Why is orthodontics so expensive? ›
The material costs of braces is expensive.
Braces are made from metal alloys or various crystal structures depending on the type of braces you get. Clear braces cost more to fabricate than metal braces because the material is harder to get and fabricating them is more labor-intensive.
Can you negotiate price with orthodontist? ›
Many orthodontists offer discounts for patients who pay for their treatment up front or who enroll in a payment plan. Finally, don't be afraid to negotiate. If you feel like you are being charged too much for your treatment, talk to the orthodontist and see if there is anything they can do to lower the price.
What is the highest annual maximum on dental insurance? ›
Most dental insurance plans have a designated annual maximum—which refers to the total amount your dental insurance policy will pay for dental services on your behalf over the course of the 12-month benefit period. The average dental annual maximum typically falls between $1,000 and $2,000.
What does the average American pay for dental insurance? ›
On average, people spend between $20 and $50 per month on dental insurance premiums, with annual estimates ranging from $240 to $600. However, dental insurance costs also include co-insurance, copayments for specific treatments, annual maximums (the coverage limit per year) and deductibles.
How much is most dental insurance? ›
Plans from dental insurance companies are similar to health insurance, though premiums and deductibles are much lower. Monthly premiums are usually less than $50, while annual deductibles average $50 to $100.
What is the orthodontic coverage? ›
Orthodontic coverage typically involves a Lifetime Maximum (LTM) Benefit that pays out at 50% of the total case fee. There are a few plans that pay more or less than 50% this means that they will pay for braces 1 time and once you have used all the LTM they won't pay any more.
Why is orthodontic work so expensive? ›
The material costs of braces is expensive.
Braces are made from metal alloys or various crystal structures depending on the type of braces you get. Clear braces cost more to fabricate than metal braces because the material is harder to get and fabricating them is more labor-intensive.
Is MetLife good for braces? ›
Is Braces accepted by MetLife dental? MetLife TakeAlong Dental PPO-high plan pays an estimate of 50% for orthodontic services such as braces for children up to age 19. The lifetime individual maximum is $1,000 with a 12 month waiting period. On the other hand, braces for adults are not covered.
