The Importance of Dental Insurance that Covers Braces

Dental care is to overall health as firm foundations are to your home. Poor dental health translates into further medical issues that involve respiratory, stomach and nutritional balance. Moreover, the advantages of having good teeth go way beyond physical issues as they also trigger a wide range of social and economic outcomes, such as being able to get a certain job. Even when this much is true, when it comes to orthodontic treatments, many people still struggle to get proper care, just because they lack a dental insurance that covers braces.

Why do people get Orthodontic Treatment?

Before we engage in any further argument concerning dental insurance care, we should settle the issue of why having orthodontics is important. For years, braces were regarded as secondary, almost superficial treatments aimed at improving the way people looked, only. However, and thanks to the latest medical developments, we now know that orthodontia can help to improve other aspects of our health as well. These are some of the most relevant reasons why people may need to wear braces:

  • Straighten Teeth. This is perhaps the number one reason people have turned to orthodontic treatments in the past. For one thing, teeth that have grown crooked or are piled up can affect our lives negatively in many different ways. Improper teeth lining does not only look unsightly, but can also bring about chronic conditions, such as migraines or backaches.
  • Correct Biting Issues. Teeth alone do not account for many of the biting difficulties. Some patients present bone malformations that involves the jaw line, as well. As a result, some people develop overbites (when teeth extend too far out) or under bites (when upper teeth are located too far back). These irregular bite presentations can cause a lot of damage to a person’s health.
  • Cosmetic Concerns. The third most common reason people turn to orthodontia is aesthetic. In some cases, there might not be a medical reason to justify the treatment. Nonetheless, since people want to wear prettier smiles, they wear braces to achieve them.

Why DON’T people get Orthodontic Treatment, then?

Even when there might be several reasons why patients fail to get their much-needed treatments, the answer comes down to one main reason: money. Orthodontia is costly and finding dental insurance that covers braces is a challenge for most people. As a consequence, many patients find themselves caught between two choices and many times, orthodontics comes in last on your list of priorities.

If you need to know whether you have a dental insurance that covers braces or not, you should check with the human resources department at your workplace. They should tell you what kind of coverage is available through your current health provider.

These past years have seen an improvement in certain coverage conditions. If your medical plan falls within the Affordable Care Act, you have access to a dental plan. This does not mean however, that braces will be covered by 100%, let alone for adult treatment. Read more about the Patient Protection and Affordable Care Act here: https://en.wikipedia.org/wiki/Patient_Protection_and_Affordable_Care_Act

Still so, even if you get an affirmative answer from your employer, this will not mean that the treatment will be fully covered by your dental insurance. Most plans offer discounts on treatments, but not full coverage. Another issue you should inquire about is lifetime maximums or waiting periods you should be made aware of.

How to Choose the Best Dental Plan

However unpleasant, many patients crave a visit to their dentist’s. It is sometimes not the pain what drives people away from dentistry surgery, but the costs. Since all of us will have to pay a visit to our dentist, eventually; we might as well choose the right plan: a dental plan that will cater not only for your present needs but for your future ones, too. Since all families have at least one member who will need orthodontics at one point, it is wise to have this need in mind when choosing dental coverage.

These are the most common dental practices, thus included in most dental plans:

  • Routine and Preventive Care: Check-ups, cleaning, fillings and X-rays are included. In addition, preventive practices, such as fluoride and sealant treatments are also listed here. Other treatments, like periodontics (gum treatment) and root canals are also included.
  • Emergency Care: All the treatments listed here are described as emergency cases, such as broken or cracked teeth repair, emergency extractions and any other mouth treatment or surgery that may have been caused by an accident, for example.
  • Complex Care: Most plans cover only about 50% of these types of treatments which include bridges, dentures and orthodontia.

What types of Dental Plans can I find and What are their Costs?

There are many different types of dental plans and their costs are strictly related to the type of coverage they offer. The principle is simple, really. Higher flexibility and more freedom of choice will be translated into higher cost for the patient. On the other hand, managed-care plans will require patients to choose from a limited list of pre-approved health care professionals within a network. Few companies offer dental insurance that covers braces and you should consider the costs involved in having a high-cost health insurance. If you, or your family have overall good dental health, then maybe spending so much money on a high-end dental plan may not be so wise. Similarly, if you need to spend a fortune on treatments that your dental plan does not cover, you might as well look for a better dental insurance.

In all, having a good dental insurance guarantees that you will have to spend less money on costly treatments later on in life. However, finding a dental plan that will suit your needs may take some time and dedication. Whatever plan you choose, make sure orthodontics is covered. We no longer consider braces a cosmetic pastime for a lucky few and getting proper orthodontic treatment is a vital need now.