Orthodontic treatments using dental implants, braces and other orthodontic appliances are expensive. Most patients do not consult an orthodontist due to the fear of high costs. However, it is crucial to treat orthodontic problems at early stages to avoid serious health complications later. Dental health insurance plans help you to pay for the orthodontic costs without heavy burden on your pocket.
Here are 4 factors to look into before taking a dental insurance plan
Before taking a dental insurance plan to cover the costs of your orthodontic treatment using Invisalign in Allentown, it is essential to know about the waiting period of the policy. Most dental insurance plans have a waiting period of 6 months to one year. It is advisable to plan dental treatments after the waiting period lapses.
Most of the dental plans have a fixed deductible. The insurance coverage will start after you have made an initial payment from your pocket. Plans with low deductible are easy on the pocket. s
Before signing on the dotted line, you should carefully look into the coverage of the dental plan. Dental insurance plans cover expenses in a tiered manner. For example, preventive dental care such as regular cleaning, X-rays etc. are covered 100%, then come the next tier of treatments that include root canal treatments, fillings and extractions, which are covered 70 to 80%. The last tier is for dental works such as tooth bridges, implants, braces, dentures etc. Only a small portion of the total expense is covered by the dental insurance. You have to choose a plan that offers maximum coverage for different dental treatments.
All dental plans are not accepted by the orthodontic clinics. You have to choose a plan that has acceptance in all the major orthodontic clinics in your neighborhood. Most of the insurance companies provide a list of clinics in their network. Speak to your clinic before choosing an insurance plan.
Do not be in a haste while choosing your dental insurance plan. Consider all the above factors before finalizing an insurance provider.
There are other alternatives to finance your orthodontic treatment with Invisalign in Allentown. You can opt for dental savings schemes, avail the flexible payment options from your orthodontic clinic or apply for dental loans. You have to weigh the pros and cons of each option carefully, before choosing one that suits your needs.