Finding dental insurance that covers orthodontics can be a huge financial relief. Most dental insurances require a series of conditions when performing this type of service and it can be difficult to find health insurance that covers orthodontics without copayments; This is a long, expensive and highly personalized treatment, since for some patients the process can last a year and for others the treatment can take more than three years. In addition, if we consider the wide offer that we find today in the field of orthodontics, prices may vary according to the technique used and the type of orthodontics (metal, sapphire, invisible...).
Does insurance cover the device?
Orthodontic treatment is not fully covered by insurance, what it does offer are significant discounts on treatment prices. In addition, when carrying out an orthodontic treatment, some companies that offer dental policies include a free first consultation or cover check-up and maintenance visits with the orthodontist. The insured can enjoy special rates and discounts on the orthodontic appliance itself.
How much does orthodontics cost?
The prices of orthodontics are usually high, and can vary a lot from one insurance company to another, and it must be taken into account that the type of device chosen by the patient or the one recommended by the specialist also influences the price.
In dental insurance, not all services provided are free of charge. However, what they offer are great advantages to people who have decided to undergo orthodontic treatment. Undoubtedly, this type of service can be cheaper than if you did not have any type of insurance. In these cases, if you opt for health insurance, you should know that you can also have access to special prices when using other dental services.
Dental insurance covers orthodontics in two ways:
- Discount on orthodontic treatment: depending on the company and the coverage contracted, you can get a discount of up to 30% on the final price for all types of orthodontics.
- Services at zero price: as a general rule, the costs of consultation, clinical and radiological study prior to the placement of the dental appliance will be covered by dental insurance.
In addition, the monthly control visits and monitoring of the evolution of orthodontics are usually included free of charge in the policy coverage, so the final price of the treatment will be significantly lower, as it is a long treatment and with many revisions.
Limits and conditions of orthodontics in insurance
When taking out insurance you must bear in mind that it has a series of conditions that you must meet (limitations, grace periods, etc.). Each company will offer you specific coverage and requirements.
To perform orthodontics, most insurance companies do not set age limits, although this treatment receives better results if it is performed at an early age. Dental insurance does not usually set age scales to access the policy either.
It is very difficult to find an insurance without a co-payment for any of these treatments and many services require an additional cost, but you will get significant discounts on their services with the policy and some services will not cost you anything apart from the premium.
We have seen that by contracting a dental policy you will obtain free services in consultations, reviews, cures, diagnosis and budgets, dental emergencies, dental cleanings or x-rays. In addition, some insurers include coverage for other services such as dental interventions, implant studies or periodontics.
It is important to bear in mind that when taking out insurance you have to meet a grace period, that is, it will take a few months until you can make use of some services and access specific treatments. The grace period can be from one to ten months depending on the insurance company or the service you are going to need.
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