How does insurance factor into your orthodontic treatment at White Orthodontics in Saginaw? We have a team member available to help you understand what benefits are available to you on your current dental plan and let you know what to expect from insurance throughout the course of treatment. If you’re wondering what kind of information we look for, or if you’re evaluating your orthodontic insurance policy (perhaps during the re-enrollment), consider these things:
- Coverage Details: Is orthodontic treatment covered under my dental policy?
- Lifetime Maximums: Is there a lifetime maximum benefit for orthodontic treatment? If so, what is the amount?
- Payment: What is the payment associated with orthodontic treatment (a common payment is 50% up to the maximum benefit—so if you have a $1500 benefit that pays at 50%, a treatment fee of at least $3000 will allow you to unlock the full benefit).
- Age limit: Is there an age limit on orthodontics? Look for phrases like “up to age 19”, “up to age 26”, or “no age limit.”
- Payment Structure: How does the insurance company handle payments during treatment? Will benefits be paid in full at the start or distributed over the course of the treatment? Will payments be issued to the subscriber or the orthodontic office? Most companies we deal with pay throughout the course of treatment and send checks to the subscribers.
- Continuity of Coverage: If treatment extends beyond the policy renewal date, how will coverage continue? Will I need to keep plans?
- Orthodontist Network: Are there specific orthodontists my insurance company requires me to see, or can I choose any provider? How does choosing an out-of-network provider affect my benefits?
- Claim Filing: What is the procedure for filing a claim, and how long does it typically take for claims to be processed?
These questions can help clarify your orthodontic insurance coverage and ensure that you maximize benefits throughout your treatment.
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