Orthodontic insurance covering adult braces?

Question

This goes along with the question I asked yesterday. I am a 28 year old who was just told that I really need braces for bite issues that will only get worse without them! As I said in my other question, my husband got very upset when I told him the cost and insisted I not get them here but in his hometown in Mexico. Anyway, I am a health care worker at a hospital and I have a very good dental insurance plan but, they revise every year and unless you change your coverage they only send you a letter saying you are covered under dental. Nothing in detail about the plan unless you decided to change it that year. I kept my coverage that I had last year because it has always been just fine. Well at the Orthodontist office they informed me that my insurance no longer covered adult orthodontics, only children. Now they went up on all the regular dentist benefits and pay 80% of almost all dental procedures, and cover yearly cleanings and, exams and, any x-rays you might need at these appointments. They also cover 50% of things like extractions, root canals and, crowns. All this makes it worth keeping my insurance but, I was wondering if anyone knows of a company that offers insurance that will cover adult orthodontics and at least some of the cost of my braces? I live in South Carolina if that makes a difference. Please any answers would be a big help!

Answer 1

You should look into a discount plan.  They can save you up to 80% off of your out-of-pocket dental expenses.  I have my plan through www.DenalDiscountsPlus.com.  They are very affordable and I was able to use my discount right away.  No waiting period and no limits.

Good luck.

Answer 2

make use of the SE like google or yahoo to get some ideas first if you want to get the massive information,however if you do not want to spend so much time,here is a direct and good resource for your questions.http://health-insurance.onlinebestoffer....

Answer 3

Where in SC? Shop around some put on braces with no down payment. It will be cheaper to get braces on your own then paying a high insurance company and then still have to pay monthly on them. I live in NC close to Fort Mill SC and I have braces but my insurance paid 2000 in mine.

Try to save at least a thousand it will be cheaper then getting another insurance company and paying them and the still have to pay for braces. My braces cost 6980 but I have Damon I'm in my late twenties also

Answer 4

My daughter needed braces this year and it cost me $5,000 ... my insurance (BCBS) did not cover it unless I waited for 6 months. I did extensive research and found a few dental regular and discount plans and then compared the overall cost. I found that the discount plans actually saved me more money overall than the regular insurance with premiums. I saved instantly over 50% and financed the the rest through the dentist office and pay monthly $98 vs $350 I was quoted. I have to use a different dentist but well worth it! I liked it so much I now actually have a side business promoting the services. I found that there were many friends and family members that were dealing with the same issue of paying nearly $200 for add on dental insurance that had too many restrictions. The dental plans offer nearly the same price breaks on procedures, average about only $20 monthly, and provide instant use - no vetting process. Most plans will provide a you a zip code based tool to find dentist in your areas and I found multiple providers from which to choose. This has been a true blessing and cost saver for our family of 4 sets of teeth. Check http://www.bestdentalnow.com - they offer over 30 national plans fromwhich to choose and compare online with specific pricing on procedures - it's great to know upfront and not have have to decipher a plan's cryptic schedule and exemptions.

Answer 5

I would encourage a visit to this website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and have saved me thousands. I got my braces at 20 years old. They cost me $2200 with this great plan which included adult braces. All services are included in this very affordable plan. They even had my benefits active in 2 hours and was able to use it the very same day. Hope this helps.