Well, you knew this day was coming, but that doesn’t mean it was any less surprising: your child’s dentist has said they need braces, and the sooner they can start, the better. For many parents, this makes them instantly worry about finances, because while orthodontics is a worthy investment, it can still be a sizeable one. But thankfully, like 60% of the country, you have dental insurance, and it should help you pay for braces in Powell, right? The answer is “it depends,” but fortunately, there are multiple alternatives that can make orthodontics more affordable even if your insurance won’t.
Dental Insurance & Orthodontic Care
Today, most popular PPO dental insurance plans offer at least partial coverage for orthodontics, more specifically, metal braces for patients age 18 and under (this isn’t always the case when it comes to clear aligner treatments like Invisalign). This is true for plans whether they come from an employer, have been purchased privately, or are backed by the state. However, orthodontic benefits can differ quite a bit from plan to plan, so you shouldn’t assume you have coverage just because you have a policy.
So, can your dental insurance be used to cover braces? Maybe…it really depends on your specific policy! Before beginning your child’s treatment, it’s a good idea to go over your plan and talk to your provider to see exactly what type of coverage is available.
What Should I Do if My Insurance Doesn’t Cover Braces?
Fortunately, should your current dental insurance plan NOT cover orthodontic care, there are plenty of other things you can do to offset the cost of treatment:
- Switch to a Different Plan: It should only take a little shopping around to find a dental insurance plan that offers orthodontic coverage, and after choosing a few, you’ll easily be able to compare and determine which one would be the best fit for your family and budget.
- See if the Practice Offers Financing: Orthodontic practices understand that many people need help when it comes to affording treatment, which is why some offer in-house financing. This will break up the cost of care into smaller installments, often with 0% interest!
- Ask About a Cash Discount: Processing insurance takes time, so if you’re willing/able to completely pay for braces upfront in cash, most orthodontic practices will offer you a sizeable discount for saving them the trouble.
Orthodontic treatment can help your child enjoy better dental health, improved oral function, and send their confidence soaring through the roof, but that doesn’t mean you should have to break the bank to get it! Your insurance may be able to help, and if not, be sure to speak with an orthodontist in Powell about making your child’s care more affordable. They’ll be more than happy to help, and you’ll probably be surprised by how many options they offer.
About the Author
Dr. Jeffrey Shirck is an award-winning orthodontist based in Powell who has helped thousands of children achieve straighter, healthier smiles. At Shirck Orthodontics, dental insurance is always welcomed, and we even offer 0% interest in-house financing where you can get traditional braces, clear braces, and even Invisalign for as little as $129 a month! To learn more about our services and flexible payment options, contact us today to schedule a FREE consultation.