Sometimes we don’t really think about it, but your dental health is just as important as the health of the rest of your body. While dental plans are normally separate from your regular health insurance, it’s every bit as important to your overall health. When it comes to braces, dental bills can be just as costly as many operations. If you have kids or teenagers, finding dental insurance that covers braces can be a true game changer.
For starters, braces are expensive! I should know as I have had three kids that went through braces. Best of all, we didn’t have any dental insurance! I don’t remember the exact numbers, but I believe that it cost us roughly $3,000 per kid. That’s close to $10,000 that we spent on braces, back in the 1990’s!
Today the cost of braces can vary depending upon the type of braces that you get, the dentist that you go to, and if there are any complications. On average, the traditional metal braces will cost you $3,000 to $7,000. The newer ceramic braces will cost $4,000 to $8,000. The lingual braces will set you back $8,000 to $10,000! Yep, they are not cheap!
Some adults actually get braces as well. Many of us get them as adults because they really should have been done when we were kids, but for one reason or another (usually money) our parents didn’t get them for us.
Most patients that kid braces though are kids or teenagers. If you have any kids, it’s a good idea to at least start thinking about how you are going to pay for braces. Some of us can save enough money to not worry about the expense. Others may opt to get a loan to pay for them. Some of you may seek out a dental insurance policy that will help to pay for braces.
Getting insurance for orthodontic care can be challenging. Many of these policies will not help you if you start getting braces before you buy a policy. In other words, they treat it as a preexisting condition, and thereby deny coverage.
There are also many orthodontic insurance plans that will offer discounts on the price of braces. You will likely have to go to a orthodontist that accepts your plan. The insurance company can tell you which dentists in your area accept it, and they will tell you how much of a discount you can get. If you are familiar with a “prescription discount plan”, this works in a very similar way.
There are some orthodontist insurance policies that will contribute a fixed amount to help pay for braces. For example, they may reimburse you $1,000 if anyone covered under your policy has to get braces.
Sadly, there is no dental insurance that is going to completely cover the cost of having braces. You may find one that offers a discount, or a fixed amount off of the price, but none will completely pay the cost.