Does Dental Insurance Cover Orthodontic Services?
Madison Dental Insurance Plans for All Your Dental Needs
Orthodontics are a specialized branch of dentistry focused on correcting misaligned teeth and jaws. This field covers braces, retainers, spacers, and similar treatments. While a necessary part of dentistry, orthodontics are rarely covered by traditional dental insurance plans.
With Momentum Plans, the Platinum and Gold Plans cover space maintainers for dependents up to age 15. Additionally, group plans can be customized to include a percentage of coverage for orthodontia. However, our individual dental insurance does not cover orthodontic services.
Fortunately, the preventative care covered by Momentum Plans may help you avoid orthodontic treatment. Regular checkups and X-rays will keep tabs on your teeth to ensure they stay properly aligned. Catching these issues early will mean less expensive orthodontia later.
Discounts for Orthodontic Dentistry
There are some dental offices with dentists who practice orthodontics. However, it is more likely your regular dentist will arrange a referral to an orthodontist if treatment is needed. In these situations, you will need to know if your insurance has you covered.
Regular health insurance often partially or fully covers braces for dependents under 18. Check with your provider if your child needs braces. Orthodontic services for adults are rarely covered by health insurance, especially if the procedure is deemed cosmetic.
If your dentist suggests seeing an orthodontist, ask if they can refer you to one with special discounts or payment plans. Since they are not covered by dental insurance, most orthodontists have many financing options available to patients.