Before you have children, your main concern about dental insurance may be whether it pays for fillings or not. Once you become a parent, however, other issues start to become more important. For many parents, the question of how much insurance children's orthodontics coverage they have becomes extremely significant.
As many parents have discovered to their horror, braces and other forms of orthodontic treatment can be quite expensive. It is not unusual for the total cost to be upwards of $5000 or more. Finding a way to make this treatment more affordable is therefore of great interest to many families.
Even with a good insurance policy, however, you may still end up having to pay for much of the cost of treatment yourself. This is because most dental insurance does not provide a great deal of coverage for braces. Many policies have a lifetime maximum benefit of no more than $1000 to $1500.
This means that your insurer will never pay more than this amount for your child's orthodontic treatment. Because this is a lifetime maximum rather than an annual maximum, once you have reached this limit you are out of luck. Any additional costs will have to be borne by you.
To make sure that you can afford the needed care, there are a few strategies that you can employ. First of all, it is often wise to begin saving as soon as you can for braces or other orthodontia. This does not mean when your child reaches the age of 12 or 13, however. It means setting money aside as soon as they are born.
By putting a little money away each month, you can easily save up a few thousand dollars by the time your child becomes a teenager. This way, you will have the funds on hand that are required. If your child ends up not needing braces, you can then use this money for some other purpose.
You may also be able to receive a discount on the cost of care by joining a discount dental plan. These plans resemble dental insurance, but are more like a buyer's club. You pay an annual membership fee, and in return you qualify for a discount on the cost of care.
When you are choosing an orthodontist, see which plans they accept. You can then investigate these plans to see if any of them are worthwhile. Considering how expensive orthodontic treatment can be, joining such a plan is often a very good investment.
In addition, you should feel free to discuss the question of cost with the orthodontist. Depending on your circumstances, he may be willing to reduce the cost of care. After all, he will not want your child to go untreated, so he may offer you a discount to make sure that the cost is affordable.
When it comes to dental insurance children's orthodontics coverage is an important issue to consider. Be sure to investigate this matter thoroughly when your child is still young so that you can plan ahead.