Title: Orthodontic Insurance - 5 Things You Need To Know
1Orthodontic 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.
2- 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.
31. 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.
42. 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.
53. 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.
64. 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.
75. 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.
8- 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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