The Best Dental Insurance for Braces?
Dental insurance coverage differs widely as to coverage and costs. If you are covered through a group health insurance program through your workplace, you are more likely to have dental insurance included in your benefit package. Be aware that coverage for orthodontics will vary from plan to plan.
Many dental plans that are included in workplace plans also have annual dollar limits on coverage, which can cut down on benefits and increase out of pocket expenses.
Attempting to discover what the best dental insurance for braces might be can be a frustrating and challenging experience.
Under the Affordable Care Act, dental insurance, for the most part, is something that is not available (except for children’s coverage) and braces are not a required essential type of coverage you will find under the ACA, which can further complicate the issue. Many people who don’t work for a company that offers health insurance have to find coverage on their own with private dental policies, and due to the high nature of the expense of orthodontic coverage, the available policies are even more difficult to find.
Private Dental Insurance Offers Limited Coverage for Braces
Some private insurance plans offer limited coverage for orthodontics for adults if the cause of the misaligned teeth are due to an accident or a disease. Before you purchase dental insurance be sure you examine what the coverage is in regard to braces so that you won’t be disappointed. This is true especially if you have pre-teens or teenage children.
Invisalign is an alternative for braces and it may or may not be as expensive if you are going to pay cash for the orthodontic treatment. Invisalign is a procedure that uses a hard plastic inset that pushes the teeth gently over time to the desired positions in the jaw, and is accomplished by frequently changing the size of the invisalign inserts as the teeth move.
Dental Insurance Through Private Employers
Most people are going to have better success finding full blown orthodontic coverage through employer sponsored plans, employer bonus plans that are managed through cafeteria 125 plans, HRA plans and HSA plans. An HRA account is a funding account set up by your employer where periodic deposits are made to a separate account for medical and dental purposes on a tax favored basis.
Discount Dental Plans Save More
One of the more popular plans for the best dental insurance for braces is with AmeriPlanUSA. This is a discount dental plan that also includes vision care coverage, prescription coverage and chiropractic coverage in addition to the dental coverage.
All services are available, but at a discount off of retail prices, some as much as 80%. There is a nationwide network of over 75,000 dentists and orthodontists who participate, and there is no waiting period and no pre-existing condition exclusions.
Discount Dental Plans Better Than Insurance For Braces
Orthodontics and cosmetic dentistry is included in the coverage and when you compare the coverage that one can receive from AmeriPlan and compare it even to dental plans that come with employer group health insurance, the result is quite impressive.
What is really remarkable is that this particular package that covers the dental, vision, prescription and chiropractic care only costs $25 per month for the entire family.
There is no waiting period for big discounts for braces under AmeriPlan, except coverage will not be eligible if a treatment plan for braces is already underway.
Locate An Orthodontist in Your Area, Start Saving!
The way that the Ameriplan coverage works for braces is that you will locate a dental provider in the list of participating orthodontists. You will note the fee of the participating orthodontists in your area, and you will see the fee after the Ameriplan discount, compared to the normal fee for that doctor. Using AmeriPlan can save from 30% to 70% on the cost of braces and is definitely worth looking into when looking for the best dental insurance for braces.
Sign Up Below Or Call Us For More Information
You may also call us at 1-855-878-7774 if you have questions or concerns. Our service representatives will be happy to answer any of your questions and get your plan started right away. The AmeriPlan Dental program covers most common dental procedures, including exams, x-rays, fillings, cleanings, extractions, porcelain crowns, orthodontics or braces, bridges, root canals, periodontics, prosthodontics, and endodontics. The more you use it, the more you save with AmeriPlan Dental!
AmeriPlan discount health and dental plans are designed to save you money while providing the health and dental care you and your family needs. Get started now and you’ll be amazed at the level of medical and dental services and the low cost.
Ameriplan Discount Dental plans and Discount Health Plans are not insurance.
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