Anonymous
Post 10/18/2024 18:42     Subject: Are braces usually covered by insurance?
$2000 life time
Anonymous
Post 10/18/2024 18:41     Subject: Are braces usually covered by insurance?
We have Fed BCBS for health but got a GEHA dental policy that covers braces. But there is a lifetime maximum that they will pay out.
Anonymous
Post 10/18/2024 13:37     Subject: Are braces usually covered by insurance?
$1000 per kid lifetime so even if you change insurance midway you don't get another shot at it.
Anonymous
Post 10/18/2024 13:34     Subject: Are braces usually covered by insurance?
Anonymous wrote:My kids have BCBS and they will not cover orthodontia. You need separate supplemental coverage that covers ortho. And yes, there is almost always a waiting period of a year. BUT, given that most kids will be in braces for at least 18 months, you can get the coverage applied at some point.


I should have added, you need an "in treatment" waiting period for this to qualify. Some won't cover it if you've had any treatment before the 1 year period.
Anonymous
Post 10/18/2024 13:33     Subject: Are braces usually covered by insurance?
My kids have BCBS and they will not cover orthodontia. You need separate supplemental coverage that covers ortho. And yes, there is almost always a waiting period of a year. BUT, given that most kids will be in braces for at least 18 months, you can get the coverage applied at some point.
Anonymous
Post 10/18/2024 13:31     Subject: Are braces usually covered by insurance?
Health insurance will never cover orthodontia unless your child broke their jaw or something horrible.

Dental insurance will sometimes cover it, but never fully. We've never had a dental plan that paid over 50%.
Anonymous
Post 10/18/2024 11:55     Subject: Are braces usually covered by insurance?
Our dental insurance covered $3000 total for anyone on the plan who wanted braces / invisalyn.

For each kid it cost $7500 but fortunately the year before the 2nd kid we changed insurance so got the $3000 twice, still a lot to pay however.
Anonymous
Post 10/18/2024 10:57     Subject: Are braces usually covered by insurance?
I paid about 50% (2500). I have pretty good insurance too.
Anonymous
Post 10/18/2024 10:54     Subject: Are braces usually covered by insurance?
We have MetLife dental insurance. The high plan covers $5k lifetime per person. The basic plan only covers $1.5k.
So, if there is a second phase, you need to get on different insurance company.
Anonymous
Post 10/18/2024 10:09     Subject: Are braces usually covered by insurance?
Nope. Ours covered $1,000 per kid.
Anonymous
Post 10/18/2024 09:13     Subject: Are braces usually covered by insurance?
Some dental specific insurances do cover braces, unlike carefirst
But many also don't give significant benefits, or they have a waiting period
Anonymous
Post 10/18/2024 09:11     Subject: Re:Are braces usually covered by insurance?
We have federal BCBS and got supplemental MetLife dental for our kids' braces. They don't have a cooling off period like many insurances do and covered $3500 of the $5k plans for both kids.
Anonymous
Post 10/18/2024 09:10     Subject: Re:Are braces usually covered by insurance?
Anonymous wrote:Totally covered? No way. I think my plan covers up to $2,000 for each individual. (And the total cost is always way more than $2,000.)


Scratch that, I just checked. Only $1,000 and that’s only if I pay for the premium dental plan.
Anonymous
Post 10/18/2024 09:06     Subject: Re:Are braces usually covered by insurance?
Totally covered? No way. I think my plan covers up to $2,000 for each individual. (And the total cost is always way more than $2,000.)
Anonymous
Post 10/18/2024 09:04     Subject: Are braces usually covered by insurance?
I am getting a huge run-around from my ortho and Blue Cross about covering my kid's braces. Both seem to be hinting that it's rare for insurance to cover the cost.

Is this worth my time? Did your kid's braces get covered by insurance or not? thanks.