Yup, you got it. You thought you had dental insurance, but you find that your policy does not cover braces and orthodontics...some don't...or require and additional rider (and premium).
Look at a dental plan! A dental plan is NOT INSURANCE..... It is a participating network of dentist who agree to charge network prices, which save up to 65% on normal bills. It is a fact...generally people who have insurance are charged a total price that is less than people who do not. Why? This is because dentists and doctors agree to negotiated fees to be part of an insurance network.
Well, this is the network without the insurance. You pay much less for belonging to the network, are expected to be able to cover the cost (sometimes providers will work out a payment plan), and are entitled to the negotiated fees that insurance companies would pay.
My site allows you to choose from different plans in your own area, by zip, costs, areas of specialty....all that. Look for Dental Plans and VALU+ here:
http://www.247quoteus.com/dentalinsurance.html
Good Luck!
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