The main purpose of buying a dental insurance is to get the insurance company cover a portion of your dental treatment expenses. It is important to know what is covered by the dental insurance policy and what is not as it can avoid confusion and frustration at most unexpected times.
Orthodontic treatments are corrective procedures such as surgeries to treat deformities of teeth or damage caused by an accident. Dental treatments that include orthodontic procedures are really expensive. Orthodontic procedures, equipment and the visiting fees to orthodontic specialists can run into thousands of dollars. Statistics reveal that an average American spends $200 on basic dental care. Most insurance policies do not cover orthodontic care as braces alone can cost above $1000. More serious dentistry such as root canal treatments and dental implants are ridiculously expensive. Some other insurance companies categorize orthodontic care as ‘cosmetic’ treatment and do not cover them.
If you or any of your family members require orthodontic treatment it is a wise decision to opt for orthodontic dental insurance. This insurance plan is intended to cover dental inconsistencies or any accidental damage to your teeth. You will pay a monthly premium to the insurance provider and the insurer will pay a part of your expenses on orthodontic care subject to a maximum amount. The maximum amount and the percentage of the cost that the insurance company will pay will be based on the plan that you choose. There are companies who pay for as much as 50 percent of the orthodontic treatment charges. You should ask your provider how much will be the maximum benefits you get from your orthodontic dental insurance and also about the procedure to file your claims.
The extent of coverage depends on the insurance company and the contract specifying orthodontic procedures and the percentage of cost that will be borne by the insurer. The actual amount that the insurer will pay will depend on factors like your maximum benefits you can avail through the plan, your deductibles, co-pays and exclusion and substitution clauses. Orthodontic dental insurance covers oral surgery to treat recessed gums in addition to removing wisdom teeth. Re-alignment of teeth that affect your health also included in this coverage.
Most of the insurance companies provide orthodontic insurance coverage for people for all ages and some companies may restrict their coverage only to patients of age from 19 and 21. You should research and shop around for the best orthodontic insurance policy. Read the contract carefully and get your doubts cleared before you sign it to make sure that the policy covers eventualities such as repairing broken or chipped teeth due to accident. Once you have purchased the orthodontic dental insurance you should pay your premiums regularly and visit your orthodontist regularly.
When you have orthodontic dental insurance you can maintain the health of your teeth healthy and avoid other health problems caused by unhealthy oral hygiene. You can also cut the cost on braces and other expensive dentistry as there is no need to pay for check ups or other related expenses. You need not delay some dental procedures due to their high cost. Above all having orthodontic dental insurance coverage lets you have peace of mind as it ensures that you need not be burdened with huge bills when undergoing such expensive dental treatments.
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