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Elementary School-Aged Kids
Reply to "How much do orthodontics cost?"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Switch insurances mid way and get the max twice if you have a high estimate. One kid was $10k and one kid was $7500, but out of pocket was $3k (phase 1) and less than $100 (not a typo) phase 2. We used three total insurances (switched between phase 1 and 2, and second parent added dental coverage) and could stack the contributions. The second kid had two insurance coverages and a family discount so it was $1500 out of pocket. It pays to pay attention at annual enrollment. One parent is a fed. [/quote] Many insurances require 24 months of enrollment to get the max benefit to prevent people doing this. No surprise Feds have better insurance than most other people. [/quote] The federal insurance is incredibly expensive. You have to pay 100% of the cost, no subsidy from the gov't. While GEHA and Metlife have high options that look like they pay out decently, the premiums are so high that at least for us it was not worth it. [/quote]
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