Orthodontic Insurance Rates
The practice of orthodontics deals with braces to straighten the teeth. More than just a cosmetic procedure, orthodontic treatment can deal with a variety of dental problems that may occur from teeth not placed properly. For this reason, there are dental plans that cover orthodontic treatment. You may be wondering about orthodontic insurance rates, how much they are and whether or not they are worth the cost. The price depends on a variety of factors, one of which is the type of policy you choose. There are plans that can be added to the health insurance you currently have and plans that are separate.
The insurance company you choose will also factor into the cost. It's a good idea to do plenty of comparison shopping before you make a decision. The Internet is a helpful tool where you can obtain instant free quotes simply by filling out and submitting a form that asks you basic questions. Once you have some quotes established you are better equipped to choose an insurance company. If you have an idea of which insurance company you want to go with, give them a call and speak with an agent before completing an official application. The agent can explain the details of the policies offered including orthodontic insurance rates and what is covered and what is excluded.
In some cases you may need this type of insurance coverage in addition to your current dental insurance. Many general dental plans do not cover braces, which is why an additional policy is required. While adults do sometimes need and get braces, this is primarily a service performed on pre-teens and teenagers. When all the adult teeth come in, the orthodontist is able to determine through examination and X-rays whether or not the patient needs braces and/or a retainer device to straighten the teeth.
If you are the parent of a child approaching the pre-teen or teen years, then it is likely that orthodontic insurance rates are well worth the cost. Braces are extremely expensive. There are examinations and procedures required before the braces are put on, then there is the application of the braces, and regular follow up exams. This adds up to thousands of dollars, and while some orthodontic offices have credit and financing plans insurance is a more affordable option for many families. However it is still important to research insurance companies and plans who offer this type of coverage before deciding which one is right for you.