Will insurance cover my braces?

This is the first question many people have when they decide to get braces or find out their children will need them.  The short answer is that insurance may cover a portion of them and there are options to make paying for the remainder a lot easier than you might expect.  Some of the most common financial questions about orthodontic care are listed below, along with their answers.

Q.   How can I find out if my insurance will cover braces?
A
.   We can help you figure that out.  The following information, from the Financial and Insurance section of our website, explains our commitment to helping you navigate the insurance portion of this process: We participate with most major insurance companies.  In most cases, prior to your consultation appointment we have verified your insurance benefits.  Once treatment has started, we will file your claims.

Q.   Is orthodontic insurance separate from dental insurance?
A
.   Some insurance companies offer an orthodontic allowance.  We’d be happy to help you determine what your insurance will cover.

Q.   Can I use funds from a Flexible Spending Account (FSA) toward orthodontic care?
A
.   Yes.  We can help you figure that out, too.

Q.   What exactly is a Flexible Spending Account?
A
.   If you don’t already have one, you may want to consider creating one.  A recent USA Today article offered this explanation: “Flexible spending accounts allow you to use pretax dollars to pay for dental and medical expenses that aren’t covered by insurance.  They’re funded by deductions from your paycheck, and you must decide when you enroll in your employer’s insurance plan how much you want to contribute during the year.

Q.   What payment methods do you accept?
A
.   We accept cash, money orders, checks, and credit cards.  In addition, we feature Orthobanc, which allows you to do electronic deductions from your savings or checking accounts or your charge card; the bonus with this option is interest-free financing.  Visit www.orthobanc.com for additional information.  CareCredit offers financing for orthodontic care, with prior approval; for additional information, visit www.carecredit.com.

Q.   How much will orthodontic care cost?
A.  
We can’t answer that until we do an examination to determine whether any problematic conditions exist with your teeth and what, if any, treatment is necessary.  However, as noted on the website of the American Association of Orthodontists, “There are orthodontic solutions for every lifestyle and budget.”

Q.   Does the type of braces matter when it comes to insurance coverage?
A.  
Consider the following examples: Invisalign notes that “many dental insurance plans cover Invisalign just as they would other orthodontic treatments like braces.” The Damon website contains a similar note: “Many dental insurance plans cover the cost of orthodontics including treatment with the Damon System.”

Q.   What if I still have questions about insurance and orthodontic care?
A.  
We expect that you have many remaining questions, including about how your insurance will work with your orthodontic needs.  Please give us a call so we can schedule a consultation and begin answering your questions.  We are committed to providing our patients with the best experience and we look forward to meeting you.

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