Orthodontic Insurance - 5 Things You Need To Know

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Orthodontic Insurance - 5 Things You Need To Know

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Title: Orthodontic Insurance - 5 Things You Need To Know


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Orthodontic Insurance 5 Things You Need To Know
  • An orthodontist is a type of dental specialist
    and orthodontic insurance is designed to cover
    problems that may arise with your teeth or jaw.
    Most people refer to an orthodontist as where you
    would need to go if you needed braces for your
    teeth.

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  • There are many differences between a standard
    dental insurance policy and orthodontic insurance
    and most people are not aware of this. As a
    matter of fact, most consumers are not even aware
    that their dental insurance plan does not provide
    for orthodontic care.
  • Here are a few things you should be aware of
    before you buy orthodontic insurance.

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1. An orthodontic insurance plan is not like a
standard dental policy
  • This means that it's not going to pay for any
    cleanings that need to be performed or check-ups
    in a traditional sense. Unlike a traditional
    policy, this is not a maintenance plan.

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2. Pre-existing conditions are not covered. This
is the same as any other insurance policy
  • This means that if you need braces right now that
    this policy will do you no good. The idea behind
    orthodontic insurance, or any type of insurance
    for that matter, is that you buy it with intent
    of providing protection "just in case" something
    might go wrong. It's no different that your car
    insurance policy. You don't go see an agent after
    the vehicle is already wrecked, do you? Of course
    not!
  • These policies work the same way. You can't just
    go buy a plan and expect to have your problems
    immediately paid for. It doesn't work that way.

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3. Waiting Period
  • You'll be required to go through a mandatory
    "waiting period" of between 6-12 months before
    the insurance company will begin to provide any
    sort of payment for existing conditions.

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4. Most plans only provide a maximum of 50
coverage at any one time
  • That's pretty self explanatory. This means that
    if the cost of braces for yourself or your child
    is 4,000 then you'll have to pay half or, in
    this case, 2,000 out of your own pocket.

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5. Most plans provide a low annual coverage limit
  • Most plans I've seen recently only provide a
    maximum payout of 2,000 per year for an
    individual plan. Just as above, if you're
    treatment costs exceed your annual limit then
    you'll have to pay the difference yourself.

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  • The fact of the matter is that dental care is
    expensive and orthodontic insurance is no
    exception. If you or someone you love has an
    existing problem then you may want to look at
    other options, such as a discount dental plan or
    perhaps try to get financing.

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