Quantcast
answersLogoWhite
notificationBell
Oral Health and Dental Care
Insurance
Dental Insurance and Financing Dental Care

What can you do if you have dental insurance but still can't afford braces for your child?


Top Answer
User Avatar
Wiki User
Answered 2015-07-17 17:57:23

For families of the United States, there is a dental plan specially for you. The plan is flexible and provides a wide coverage area than other plans, since it is designed to meet your needs. My braces cost me only $2000 rather than the national average of over $4000 because of the information on the blog. There are Thousands of dentists and doctors that are providers under this great plan, and they are closer to you in terms of location. Affordable without sacrificing coverage and services is what every family is searching for.

I also was in need of some type of coverage for braces because I believed my insurance did not cover enough. After months I found the perfect plan. Braces usually cost around $5000. I paid only $2200 for my braces because of this great plan I have.

You can choose a Dental Plan that covers Braces. 60% off Orthodontics, includes Cosmetic and Specialists. Free vision, Rx, and Chiropractic Care. Under $20/month for the entire household, related or not!

Affording bracesYou could purchase more dental insurance, but be careful. You may end up paying more in the long run than if you just borrowed the money. A large number of Orthodontists now offer no interest plans for up to a year, and extended plans for up to 5 years. It's helped many of our patients afford the care they need.
001
๐Ÿ™๐Ÿฟ
0
๐Ÿคจ
0
๐Ÿ˜ฎ
0
๐Ÿ˜‚
0
User Avatar

Your Answer

Still Have Questions?

Related Questions

What dental insurance in Florida will pay for braces?

I believe you can save over %50 off the braces for adult of child. I have this plan also for all my other dental needs and procedures. They will even activate you benefits in 2 hours. Hope This Helps.


What is the typical cost of a child getting braces?

The typical cost of a child getting braces depends on if it is covered by your work dental plan and if they get metal or invisible braces. Metal braces cost around $5,000 and plastic around $6,000.


Beware Lags in Dental Insurance?

Dental insurance does not always cover major procedures, such as braces or other orthodontic care. Sometimes, plans will cover these expensive procedures, but only after a policyholder has been paying premiums for a certain amount of time. Pay attention to any potential lags in coverage to avoid surprises. Few things would be worse than getting a child fit for braces only to find out that the parent has to cover the entire bill because of an exclusion in the fine print of a dental insurance policy.


Doe you being the person that the child lives with have to have medical and dental insurance on them?

Not necessarily, medical and dental insurance coverage relates to whether that child is your dependent, i.e. do you have legal responsibility for them. Often in divorces, the court will make the non-custodial parent, i.e. the one that the child does not live with, responsible for providing medical and dental insurance.



How much do braces for teeth cost?

Braces can cost thousands of dollars out of pocket both with and without insurance. But the cost to pay for braces is well worth it if it saves your child the embarrassment of having bad teeth for the rest of their lives.


Orthodontic Insurance?

If you have children, you should check into orthodontic insurance. Orthodontic insurance helps pay for braces and other orthodontic devices. Braces can cost you $5,000 per child, and that's just a baseline figure. With orthodontic insurance, you can get ahead of the problem and be ready when your child needs braces. It's not a good idea to wait until a child is a teeanger to try and get coverage. Children as young as five often need an orthodonitc device to help quit sucking their thumb. Sometimes orthodontists use preventative techniques which start as young as seven or eight.


Understanding the Different Types of Insurance for Children?

Adults are not the only ones who need insurance. Just like adults, children can have health insurance, life insurance and dental insurance. These insurance policies protect the health of the child as well as the wallets of their parents.Insurance Offered By the Federal and State GovernmentWhile many parents are able to add their children onto their health insurance plan, not every parent is so fortunate. Parents who are uninsured and cannot afford private insurance might be able to insure their children through Medicaid or the Children's Health Insurance Program (CHIP). Both of these programs are available to low-income families throughout the United States. However, CHIP has more lenient income requirements and accepts families who earn too much to qualify for Medicaid.State governments also fund health insurance programs for children. While looking for insurance, consider both state- and federally-funded insurance to determine which policy best meets your family's needs.Life Insurance for ChildrenIn addition to health insurance, it is also possible to get life insurance for children. These policies are usually very affordable and can be converted into cash once the child has reached a certain age. Most parents choose to purchase child life insurance for three reasons. The first reason is to protect their finances should the unthinkable happen. The second is to save money for college or future expenses. Lastly, purchasing child life insurance ensures that the child will be able to have life insurance as an adult, even if he or she should develop a serious medical condition.Dental Insurance for ChildrenChildhood is a critical time for the development of the teeth. Yet, many children lack dental insurance, and as a result, they also lack proper dental care. Fortunately, both private and government-funded dental insurance is available. Children who qualify for Medicaid or CHIP will qualify for dental insurance through these programs.Families who do not qualify can purchase private dental insurance policies for their children. These policies help families afford routine cleanings, fluoride treatments, sealants and more expensive procedures. This ensures that a child's teeth are properly cared for and protects against future dental problems.


Why teens should wait to get pregnant?

they can not legally provide insurance for their child or themselves. they can not afford their own place to live, or car to drive, and also pay for child-care, baby essentials, doctor visits, vaccinations, they also are not psychologically ready for a child and therefore have an increase risk of child abuse, they can not afford pregnancy or labor costs and if the child were to have a retardation or terminal illness they can not afford that.


What is the cost of dentures for children?

The cost of dentures for children is anywhere in excess of $500 dollars if using a private dental institution. This cost may be less if the child has dental insurance or is currently part of a family dental plan.


Pediatric Dentist?

form_title=Hire a Pediatric Dentist form_header=These dentists focus specifically on the dental needs of younger patients. Who is your current dental insurance provider?=_ Does your child have any special dental needs?=_ What services are you looking for?=_


Which insurance options are offered by AXA Healthcare?

AXA Healthcare offers a variety of health care insurances. They offer one private medical insurance, cash plans, dental insurance and even child health insurance.


If you have shared physical and legal custody do you need the other parent's permission to take them to the dentist to have their teeth worked on?

I HAVE PRIMARY PHYSICAL CUSTODY OF MY DAUGHTER. SHE IS 12 & DID NOT WANT BRACES. HER FATHER DID NOT WANT HER TO HAVE BRACES EITHER. I HAD BRACES PUT ON ANYWAY. I KNOW SHE WILL APPRECIATE IT WHEN SHE IS OLDER. HER FATHER PAYS CHILD SUPPORT & IN OUR COURT ORDER IT STATES THAT HE HAS TO PAY 50% OF ALL DENTAL & MEDICAL. I DID WHAT WASBEST FOR MY CHILD & NOT MY EX.


How much will dental insurance pay toward braces?

You need to check with your dental insurance carrier because different companies pay different amounts. Most will pay 50% of the total per child up to a maximum of $1500-$3000, depending on the insurance company and plan. So if you have a down-payment at the orthodontist, they will split up the rest of the contract into monthly payments, giving you a discount for paying up front or paying a larger down-payment. A typical plan of treatment will cost you about $125-$150 out of pocket per month for the length of the treatment.


At what age should your child see an orthodontist for braces?

The best time to go to the orthodontist for your child and braces is from the ages of eight to twelve.


Is a non custodial parent responsible for dental insurance?

This should be outlined in your custody and child support agreement. The custody agreement should specify which parent is required to provide medical and dental insurance. Some states even require that both parents provide insurance for the child if it's available. Check your custody agreement. If it does not specify which parent is required to provide the insurance, typically the custodial parent will pay the bill and the non-custodial parent will reimburse them for half.


How to Avoid The High Cost Of Dental Appliances For Children?

Most children are natural explorers and are rambunctious while in play. We’ve all seen the effects of a child, who while acting out the latest Spiderman movie, has lost or broken his or her front teeth. When a situation like this happens, naturally, some form of dental appliance becomes mandatory. It is necessary to fix the broken tooth as well as to correct the inevitable misalignment of teeth that grow back into the gum line with a mind of their own. When a situation like this is faced, many parents initially contact their local dental office, make an appointment and eventually shell out thousands of dollars for braces. This is not always necessary and certainly not the most affordable option. In order to avoid the exceedingly large cost of any sort of dental appliance, a little homework must be done. The following steps will help you, the consumer, in locating affordable dental appliances for your child as well as giving your wallet a little breathing room. • Step 1: Locate an orthodontist who offers a sliding scale fee for dental work. Most new dental offices will provide a financial assistance program to gain new and repeat clients. • Step 2: Check with your health insurance to see if you can get a dental discount. Though insurance plans don’t usually cover for cosmetic electives, braces can be described as a necessary procedure if it affects the patient’s present or future health. • Step 3: Determine if your child qualifies for partial braces (upper or lower jaw). Braces can be structured to fit only the offending area, therefore, it is not always necessary to approve a full set if it is not medically required. • Step 4. Make a budget and stick with it. Choices are available if the research is completed before visiting the dentist. In the world of dentistry, dental appliances can be very expensive; however, the cost does not have to break your bank.


Where can you get individual PPO dental insurance plan?

== == To find companies in your state that provide dental insurance or dental discount plans, go to the National Association of Dental Plans site (www.nadp.org) which has a directory of companies that offer dental insurance. The directory can be searched by state and you can select "individual" and get the list of just those companies that provide individual dental insurance in your state. The listing also tells you if the company provides dental HMO, dental PPO, dental indemnity (traditional insurance without a network) or a discount plan (not insurance but a discount off the dentist's fees who are part of the discount network). The term "plans" is sometimes used to refer to the companies that offer dental benefit products. There are four basic dental benefit products: dental HMOs, dental PPOs, dental Indemnity (traditional insurance with no network) and discount dental (not insurance but you get a discount on the fees charged by participating dentists). DHMOs, DPPOs, and Dental Indemnity products are "insurance. The National Association of Dental Plans site has a directory of companies that offer dental insurance that can be searched by state. You can select "individual" and get the list of just those companies that provide individual dental insurance or discount plans in your state. The listing also tells you if the company provides dental HMO, dental PPO, dental indemnity (traditional insurance without a network) or a discount plan. As of mid 2007 there are only 22 dental plans that provide individual dental benefit products across the nation and they do not all operate in all states. The number is increasing daily. Here are opinions and answers from FAQ Farmers: * I have found unicare offers a PPO plan for individuals. I am about to take out the plan on my child. I had been going back and forth on this for over a year. This is the only one I have found. And my sons dentist is in the plan. * Ameritras offers a dental PPO plan for family and individuals. * In reviewing this answer's history, it appears that some of the information you've been given pertains to a dental PLAN rather than dental INSURANCE. In my own attempt to find individual/family dental insurance, I found a plethora of DENTAL PLANS, but I was could not find any individual DENTAL INSURANCE. Further, there isn't an insurance broker or provider named Ameritas; there is, however, the Ameritas Insurance Corporation, but they only provide dental insurance plans for groups. I found this helpful information at the American Dental Association's website. Even on the ADA's website, the difference between the terms "dental plan" and "dental insurance" are not clearly stated. "What is dental insurance for individuals? Dental plan coverage for individuals is not commonly offered because dental needs are highly predictable. For example, you would not pay premiums for your dental coverage if the premiums were more expensive than the cost of the dental treatment you need. Since this is the case, insurance companies would stand to lose money (spend more on benefits than they receive in premiums) on every individual dental plan they write. There are, however, a few companies that offer a form of dental benefits for individuals. Most of these plans are "referral plans" or "buyers' clubs." Under these types of plans, an individual pays a monthly fee to a third party in return for access to a list of dentists who have agreed to a reduced fee schedule. Payment for treatment is made from the patient directly to the dentist. The third party acts only in the capacity of matching the individual to the dentist. The dentist receives no payment from the third party other than in the form of referral of patients. are differences between a dental PLAN AND dental INSURANCE." You see, the question asked was about dental INSURANCE. The answer, however, immediately refers to a dental "plan", as if it was synonymous with dental insurance! But then, in the second paragraph, it describes "referral plans" and "buyers' clubs"....more commonly known as DENTAL PLANS, not DENTAL INSURANCE! I found a website that explains the difference between plan/insurance much more clearly. I listed it in the "links" - but in case I did it incorrectly, just go to dental-resources.com and in the left frame, underneath the heading Financial (look for the Ben Franklin!), click on "dental insurance plans". There's also a link if you need to know about financing. *Note that it's a commercial site, not affiliated with the ADA. Also, I'm not affiliated in ANY way with this site or the ADA or anything DENTIST, period! (just in case) "Dental Insurance Plans & Programs Dental health is extremely important for individuals and families and it's financially helpful to have some form of dental coverage to minimize the costs of dental care. There is a difference between traditional dental insurance plans and discount plans. Let's first start out talking about dental insurance. It's typically only available to individuals and families who receive their dental insurance coverage through large groups or through their employers. There is a premium that the employer pays to have their employees dental care covered. So how does a Discount dental plan differ from a traditional dental insurance plan? A dental plan is very similar to holding a membership in a buying club? You pay a flat fee yearly. These gives you access to the provider dentists. The discount dental plan negotiates a discounted rate for typical services like hygiene visits, exams, fillings, cleanings, root canals, orthodontics, crowns etc with the provider dentists. The dentists agree to provide these services to you at the pre-arranged discount rates which are often displayed prior to purchasing the reduced fee plan. They are ideal for individuals and their families who do not get dental insurance coverage through their employer. There are substantial savings that can be obtained through the provider networks in the range of 10 60 %. The one drawback can be the limitation of only being able to visit a provider dentist. However even traditional dental insurance can have similar limitations." Some of the PLANS are pretty good, and can save you quite a bit of money. Our dentist is great, we found a plan she accepts and we get a decent discount on all services. Payment is expected up front! We had to get financing (it's like a dental credit card that you apply for) - ask your dentist about it. * Actually Ameritas does offer ppo dental plans but as someone else suggested, through groups only. However, there are groups you can join that offer these types of benefits. Be careful as some offer insurance products and some offer only discounts. We chose and bought the Valu+ plan. It currently (Aug 2006) costs $69/month for the whole family. It has Ameritas Dental, VSP vision, Liberty Medical discount diabetes supplies (my daughter is diabetic), an AD&D plan and an accident supplemental. I think I paid a one time fee of $30 to join the group but well worth it for my family. I was paying well over $100/month for dental alone.


How many times should you go to your dentist a year?

Normally the average child should go and see the dentist at least every 6 months, maybe more if have braces or any other dental problems


How to find your net from gross?

Your gross is the TOTAL amount. Your net would be the amount after all of the deductions are taken out. (health insurance, dental insurance, child support, federal taxes, local taxes, etc.) Each individual is different.


Does health in a divorce mean that you have to also provide dental and visual?

Usually health insurance means dental and vision coverage. Check with your lawyer if your employer does not offer either of those for alternatives. The coverage should be seamless so that the custodial parent has insurance available for the child as needed. Sending a copy of the card to that parent makes good sense.


If my ex takes me to court for more child support can she also make me pay for braces for my daughters teeth?

Unless you absolutely can't afford it, then this isn't about you and your wife, but the fact your daughter needs braces and you should be OFFERING to help pay for them. Braces don't come cheap. The courts will decide on what is appropriate for Child Support and not your wife or you. If the courts feel your wife is getting enough for Child Support then that's it and you pay no more. You can also retain legal counsel and have your wife give you ALL receipts of that Child Support so you know that every cent is being spent on your daughter's upbringing and what the money is being spent on.


What are the benefits of child only health insurance?

The only benefit to having Child Only Health Insurance is that the child is insured. According to studies, children with child only health insurance were more likely to have had routine dental and health examinations in the past 2 years over those without insurance. The rates for children that had insured parents were even higher, suggesting that children that have an insured parent are more likely to have access to all the healthcare that they need. The study also suggested that families with the child only health care, may not know how to use it properly therefore, they don't use it enough.


Should an orthodontist take a baby molar out if braces are going on the child?

if its loose and you want them to then yes but it doesnt have to come out before you get braces.


What are the options for children needing braces?

There are numerous different options for orthodontic work in children, but every child's dental needs are specific to that child's mouth. It is hard to determine what work a child may need without having a professional exam and understanding what work needs to be completed. It is great to go into an appointment informed, so with that said, some popular choices include traditional metal braces, clear braces, and even invisilign.


Still have questions?

Trending Questions
What are fat burning foods? Asked By Wiki User
What is half of 16? Asked By Wiki User
Do potatoes have genders? Asked By Wiki User
Unanswered Questions