Dental Insurance and Braces or other Orthodontics

Here's a common question: Why doesn't my dental insurance cover braces or other orthodontics? Well, actually some policies do cover braces, or they have riders which may cover them.

But the answer would be - because it's one more expense - and as you know - the more the policy covers - the more it costs. This would also answer the question as to why those companies which do cover braces - cover them as a rider, or an optional addition to the insurance contract.

You may be better off with a dental discount plan than insurance for items like braces. Orthodontics will be covered, they cost a lot less than insurance, and sometimes save you just as much money. For instance, a policy may have a deductible of $500 and limits of 1500. So the insurance would chip $100 off your bill - but the premium may be $50 a month.

CLICK HERE TO FIND A DENTAL DISCOUNT PLAN IN YOUR AREA, AND SEE IF YOUR DENTIST IS ON THE PLAN