Is there any dental insurance to recommend for adult orthodontics?
Wednesday, April 22nd, 2009 at
2:32 pm
Yang asked:
I am 26 years old, and I want to wear braces. I try to enroll a dental insurance to save money but failed to find one that covers orthodontics for adults of my age. Can anyone give me any recommendation for the dental insurance? Many many thanks.
Tagged with: Adult Orthodontics • Dental Insurance • Insurance
Filed under: Dental
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Finding a dental insurance plan that cover orthodontics is almost impossible. Even if you do there will be a waiting period of 12 to 24 months before you could get orthodontics covered. Also, most dental plans will only pay out $750 to $1500 per year so you’d still be paying a lot for the braces.
You do have other options, though.
1. Visit a local dental school. You can get many procedures done for a reduced price if you’re willing to let them practice on you. You can find one here:
2. Discount plans – Cost – $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount (even though they advertise “up to 80%), which is about the same discount you can get by paying cash. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link concerning these plans.
3. Fee for Service discount plans – Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you for most procedures.
I’m an insurance agent and my personal plan is the fee for service plan. I got mine here specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.