Orthodontic treatment can give you a beautiful, healthy smile. However, it can be expensive. Dental insurance that covers orthodontics can help make the cost of braces or clear aligners more manageable. In this article, we will review the best dental insurance plans for orthodontics.
What is Orthodontic Treatment?
Orthodontic treatment is a branch of dentistry that deals with the correction of misaligned teeth and jaws. It involves the use of various appliances, such as braces, clear aligners, and retainers, to move teeth into their proper position. Orthodontic treatment can help improve your oral health, as well as your self-esteem and confidence.
However, orthodontic treatment can be costly, especially if you need braces or clear aligners for an extended period. This is where dental insurance that covers orthodontics can help.
The Best Dental Insurance Plans for Orthodontics
There are several dental insurance plans available that cover orthodontic treatment. Here are some of the top options:
1. Delta Dental Insurance
Delta Dental Insurance is one of the largest providers of dental insurance in the United States. Their plans can be purchased individually or through an employer. Delta Dental offers coverage for orthodontic treatment, with coverage amounts varying depending on the plan.
For example, some Delta Dental plans cover up to 50% of the cost of braces or clear aligners, with a lifetime maximum benefit of $1,500 to $2,000. Other Delta Dental plans cover up to 80% of the cost of orthodontic treatment with a lifetime maximum benefit of $3,000 to $5,000.
2. MetLife Dental Insurance
MetLife Dental Insurance is another popular dental insurance provider that offers coverage for orthodontic treatment. Their plans can be purchased individually or through an employer. MetLife offers different types of plans, including a PPO plan and an HMO plan, each with its own coverage amounts.
For example, some MetLife plans cover up to 50% of the cost of braces or clear aligners, with a lifetime maximum benefit of $1,500 to $2,000. Other MetLife plans cover up to 80% of the cost of orthodontic treatment, with a lifetime maximum benefit of $3,000 to $5,000.
3. Aetna Dental Insurance
Aetna Dental Insurance is a well-known dental insurance provider that offers coverage for orthodontic treatment. Their plans can be purchased individually or through an employer. Aetna offers several different types of plans, including PPO plans and HMO plans, each with its own coverage amounts.
For example, some Aetna plans cover up to 50% of the cost of braces or clear aligners, with a lifetime maximum benefit of $1,500 to $2,000. Other Aetna plans cover up to 80% of the cost of orthodontic treatment, with a lifetime maximum benefit of $3,000 to $5,000.
FAQs
1. What is the average cost of orthodontic treatment?
The average cost of orthodontic treatment varies depending on the type of treatment and how long you need it. Braces typically cost between $3,000 and $7,000, while clear aligners can cost between $2,000 and $8,000. Your dental insurance plan can help cover some of these costs.
2. Can I get dental insurance that covers orthodontics if I already have braces?
In most cases, you cannot get dental insurance that covers orthodontics if you already have braces. Orthodontic treatment is typically considered a pre-existing condition, and insurance companies will not provide coverage for pre-existing conditions.
3. Can I get dental insurance that covers orthodontics if I have a child who needs braces?
Yes, you can get dental insurance that covers orthodontics for your child. Many dental insurance plans offer coverage for dependent children, including coverage for orthodontic treatment.
4. Can I use a flexible spending account (FSA) or health savings account (HSA) to pay for orthodontic treatment?
Yes, you can use a flexible spending account (FSA) or health savings account (HSA) to pay for orthodontic treatment. These accounts allow you to set aside pre-tax dollars to pay for healthcare expenses, including orthodontic treatment.
Conclusion
Orthodontic treatment can give you a beautiful, healthy smile, but it can be expensive. Dental insurance that covers orthodontics can help make the cost of braces or clear aligners more manageable. Delta Dental Insurance, MetLife Dental Insurance, and Aetna Dental Insurance are some of the best dental insurance plans for orthodontics. Be sure to review each plan’s coverage amounts and costs before making a decision.
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