Comments on: Does anyone know of any dental insurance programs that cover braces?

By: amilucky0707

amilucky0707 — Fri, 27 Nov 2009 04:41:30 +0000

Good question. I’m 20 and getting braces next week. Since I’m over 18 my regular dental insurance doesn’t cover it, but my dad has some program at his work called "execu-care" (I’m not sure about the spelling). Supposedly they are going to cover all of it for me. I don’t know anything about the company, but you should look it up if you can.

By: toolate

toolate — Fri, 27 Nov 2009 04:41:30 +0000

well the company i work for saves you up to 80% of ortho work (yes thats braces) and teeth whitenings and cleanings xrays etc etc
youd have to check with one of the dentist thats a provider to see just how much i know its definitely over half around where i live. its only 11.95 a month too so its affordable and you get vision (lasik surgery eyeglasses contact etc) precription and chiropractic care included with that cost! i can email you the info and you can check it out for ureself. its a legitimate 15 yr old company and theyve saves alot people alot of money however i cant solicit on answers so you can email me and put in "dental"in the subject and ill send you the link…ok?

carson5021@yahoo.com

By: emmalue

emmalue — Fri, 27 Nov 2009 04:41:29 +0000

First, you should understand the concept of "dental insurance".

Companies sell policies and collect premiums from a number of individuals in a group. The company is profitable only if more people pay in than use up in benefits.

If you, as an individual, buy an insurance plan for ortho coverage, it’s for sure you will use it and it would make no financial sense for the company to pay out benefits.

Bottom line: you just can’t pay less for benefits than a company would pay out.

Good news is, most orthodontists take payments. You’ll need a substantial amount as a down payment, but the balance can be paid out over the course of treatment. Look for ads in your local paper or phone book. Payment in full could net you a substantial discount if you have a cheap source of credit. Many orthodontic offices use credit agencies such as Care Credit or Denal Fee Plan to help their payments get the treatment they need.