Delta Dental: What Does It Cover for Orthodontics?
Orthodontic care can be an important component of maintaining good oral health. However, it can also be expensive. That’s where dental insurance comes in handy. Delta Dental is one of the largest dental insurance providers in the United States, offering a range of plans that cover various dental procedures, including orthodontic treatment. In this article, we will discuss what Delta Dental covers for orthodontics, how to determine if you are eligible for coverage, and tips on maximizing your benefits.
What is Delta Dental?
Delta Dental is a dental insurance provider that offers a range of dental insurance plans to individuals, families, and employers. It is one of the largest dental insurance providers in the United States, covering more than 78 million people. Delta Dental works with a network of dentists and orthodontists to provide affordable dental care to its members.
What does Delta Dental Cover for Orthodontics?
Delta Dental offers several plans that provide coverage for orthodontic treatment. The specific coverage varies depending on the plan, but most plans cover a portion of the cost of orthodontic treatment, including braces, aligners, and other appliances.
The amount of coverage provided by Delta Dental for orthodontic treatment varies depending on the plan, but typically ranges from 50% to 80% of the total cost of treatment, up to a certain dollar amount. Some plans have waiting periods before orthodontic coverage begins, while others have no waiting periods.
To determine what your specific Delta Dental plan covers for orthodontic treatment, you should review your policy or contact Delta Dental directly. They can provide you with information about your coverage, including deductibles, copays, and maximum benefit amounts.
Are You Eligible for Coverage?
Eligibility for Delta Dental coverage depends on several factors, including the type of plan you have and your specific dental needs. Most Delta Dental plans are available to individuals and families, as well as employers who offer dental insurance as part of their benefits package.
To determine if you are eligible for Delta Dental coverage, you should review your policy or contact Delta Dental directly. They can provide you with information about the specific requirements for your particular plan.
Maximizing Your Benefits
If you have Delta Dental coverage and need orthodontic treatment, there are several ways you can maximize your benefits:
Choose an In-Network Provider
Choosing an in-network provider can help you save money on the cost of orthodontic treatment. In-network providers have agreed to accept a lower fee for their services, which means that you will pay less out-of-pocket.
Get Pre-Authorization
Before beginning orthodontic treatment, it is a good idea to get pre-authorization from Delta Dental. This ensures that the treatment is covered under your plan and can help you avoid unexpected costs.
Use Flexible Spending Accounts (FSAs)
If your employer offers an FSA, consider using it to pay for orthodontic treatment. FSAs allow you to set aside pre-tax dollars to pay for qualified medical expenses, including orthodontic care.
Take Advantage of Lifetime Maximums Delta
Dental plans typically have lifetime maximums for orthodontic treatment. If you have reached your lifetime maximum for orthodontic treatment, make sure to complete treatment before switching to a new plan or losing coverage.
Conclusion
Orthodontic care can be expensive, but with Delta Dental, you can get affordable coverage for braces, aligners, and other orthodontic appliances. The amount of coverage provided by Delta Dental varies depending on the plan, but typically ranges from 50% to 80% of the total cost of treatment, up to a certain dollar amount. To determine what your specific Delta Dental plan covers for orthodontic treatment, review your policy or contact Delta Dental directly. By choosing an in-network provider, getting pre-authorization, using flexible spending accounts, and taking advantage of lifetime maximums, you can maximize your Delta Dental benefits for orthodontic care.
Related Topics:
