Paying for orthodontia out-of-pocket is expensive with and without insurance. This adage holds for children and adults – although the insurance options for teenagers are much better.
Learn how dental insurance plans and our federal tax system work together to help lower your out-of-pocket costs.
Parents often need to leave no stone unturned when looking for resources.
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Therefore, low-income households will find the treatment costs unaffordable. Fortunately, Medicaid covers dental braces throughout the country, but with two critically different standards, with plenty of variation state-by-state.
Learn the rules in your region.
Forms of financial assistance and government grants are difficult to find because they do not always come with clear, conspicuous labels. They do exist under aliases.
Even those with coverage still face significant unreimbursed expenses. Financing options include personal loans, credit cards, Flexible Spending Accounts, and orthodontist-sponsored incremental billing.
Patients with bad credit or no history on their consumer report face obstacles they can overcome with planning.
Adults face the steepest hurdles, as the list of medically necessary reasons is shorter, but payment plans and dental insurance are viable alternatives. Children under nineteen have more opportunities to get health insurance to cover braces because the list of medically necessary orthodontic procedures is longer.
Health insurance and Medicaid may cover adult orthodontia when medically necessary. The Guardian offers dental insurance covering braces for adults over 19 without waiting periods, but it is only available in four states and may not significantly lower costs.
For instance, adults will need a medically necessary reason, while a handicapping malocclusion will suffice for your teenager or child.