Best FEDVIP plan for orthodontia

[Anonymous]

Assuming my providers are in-network, which plan is best for orthodontia? It will probably be at least a year before full-blown braces, but DS may have some spacers or other consults in 2018.

[Anonymous]

When I was looking several years ago, MetLife was the only one that didn't have a waiting period for orthodontia. My kid is going on year 4 and two rounds of oral surgery, and the coverage has been great.

[Anonymous]

Anonymous wrote:When I was looking several years ago, MetLife was the only one that didn't have a waiting period for orthodontia. My kid is going on year 4 and two rounds of oral surgery, and the coverage has been great.

I did the research a couple years. Ago. The MetLife high option was the best, by far. Also the most expensive. By far. You are paying a premium for the orthodontia coverage. They pay 50%, up to $3500 for orthodontia. So they will over up to $7000, per kid, as the lifetime max.

My kids are 2 years apart, and. Got braces year apart. DS got braces in 1/2016, and we are done paying for them. DD got them in 2/2017. We finish paying in mid 2018. But I loaded up the flex spending account, and am paying the balance next month, so I don’t have to carry the super expensive coverage in 2018.

So also look at whethe4 it makes sense to pay up front and not carry the coverage for 1 year. Or pay each month and carry it longer. And remember you can use a flesh spending account for braces.

[Anonymous]

We have BCB's dental plan and are very pleased.

[Anonymous]

We also have MetLife for ortho. Once all kids are out of it, we may look at other options, as it is quite expensive. But we haven't had any problems with the coverage.

[Anonymous]

We have the BC plan and it's been fine-- I think they got rid of the waiting period for high