Orthodontic insurance is designed to assist patients undergoing orthodontic treatments, but it functions differently from standard dental insurance. Here’s an overview of how it typically operates:
How Does Orthodontic Insurance Work?
Orthodontic insurance generally includes a lifetime maximum benefit, distinguishing it from typical dental plans. This benefit is a predetermined amount that covers orthodontic treatments throughout the insured individual’s lifetime. Unlike regular dental insurance, which typically addresses routine dental care, orthodontic insurance focuses specifically on orthodontic services.
Coverage Details
- Lifetime Maximum Benefit: Your orthodontic insurance policy will specify a lifetime maximum benefit, which caps the total amount the insurance will cover for orthodontic care.
- Percentage-Based Coverage: The insurance usually covers a percentage of the total orthodontic fees. This includes costs for diagnostic records, the initial fee, and ongoing monthly payments. Coverage is provided until the lifetime maximum is reached.
- Exclusions: Be aware that charges for lost or broken appliances are often not covered by orthodontic insurance.
Preferred Providers
We are the preferred providers for:
- MetLife
- United Concordia
- Delta Dental Policies
As a courtesy to our patients, we take care of all insurance claims on your behalf, handling billing and managing your claims directly with your insurance provider to ensure a seamless and hassle-free experience.