Are Braces Covered Under my Dental Insurance?

Answer:
Maybe – or maybe not. Some dental

insurance polices do cover orthodontic care while others offer only limited benefits on such care or do not offer orthodontic care at all.

When you purchase dental insurance coverage you need to make sure that the dental plan is clearly defined. Limitations or exclusions of certain benefits should be described, as well as the cost of insurance premiums, deductibles, and co-payments for covered dental work. Often, dental coverage is limited and may only pay a portion of “reasonable and customary” charges for any dental work you have done. Depending on your insurance provider, there may be an annual and lifetime maximum benefit you’re allowed to incur. If you’re scheduling dental work, ask your dentist to request an estimate of payment from your dental insurance provider. This way, you will know up front what the out-of-pocket expense will be for you.


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