Does dental insurance cover cosmetic dentistry option?
Such as putting braces and the like
Answers:
make use of the SE similar to google or yahoo to get some ideas first if you want to get hold of the massive information,however if you do not want to spend so much time,here http://www.insuranceidea.info/free-insurance.htm is a direct and good resource for your questions.
Generally the dental insurance policy will state if it covers orthodontic work and how much it covers. Usually for a PPO type plan, the amount (say $1000 of coverage) is up to 50%, meaning when you hold charges of $2000, it will cover 50%, up to the limit of $1000. If it's a DMO/HMO plan it will state if orthodontic work is covered and how much is covered in the policy.
For a PPO policy, the payments are made at 50% as they crop up, meaning the installation is covered at 50% (which usually almost eats up a $1000 policy anyway) and next other appointments (not maintenance) are covered at 50% as they happen. Then whatever amount is moved out to pay for the monthly maintenance appts is split up over down the treatment (say 24 months) and each payment amount is usually smaller quantity than 50% of your monthly bill. Confusing, huh? = )
So if you had $240 left for monthly running, they'd pay you at $240 /24 = $10 per month, even though the cost for the appts may be $200. At least that's how the insurances we've have have worked.
IT DEPENDS ON WHAT'S DONE
Most will not cover cosmetic dentistry. Here is a plan that will cover cosmetic dentistry at a huge discount Source(s): http://www.mybenefitsplus.com/sbecker
Related Questions:
Answers:
make use of the SE similar to google or yahoo to get some ideas first if you want to get hold of the massive information,however if you do not want to spend so much time,here http://www.insuranceidea.info/free-insurance.htm is a direct and good resource for your questions.
Generally the dental insurance policy will state if it covers orthodontic work and how much it covers. Usually for a PPO type plan, the amount (say $1000 of coverage) is up to 50%, meaning when you hold charges of $2000, it will cover 50%, up to the limit of $1000. If it's a DMO/HMO plan it will state if orthodontic work is covered and how much is covered in the policy.
For a PPO policy, the payments are made at 50% as they crop up, meaning the installation is covered at 50% (which usually almost eats up a $1000 policy anyway) and next other appointments (not maintenance) are covered at 50% as they happen. Then whatever amount is moved out to pay for the monthly maintenance appts is split up over down the treatment (say 24 months) and each payment amount is usually smaller quantity than 50% of your monthly bill. Confusing, huh? = )
So if you had $240 left for monthly running, they'd pay you at $240 /24 = $10 per month, even though the cost for the appts may be $200. At least that's how the insurances we've have have worked.
IT DEPENDS ON WHAT'S DONE
Most will not cover cosmetic dentistry. Here is a plan that will cover cosmetic dentistry at a huge discount Source(s): http://www.mybenefitsplus.com/sbecker
Related Questions: