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What can you do if you have dental insurance but still can’t afford braces for your child?

Have Dental Insurance Cant Afford Braces For ChildThere are a few options available if you have dental insurance but still can’t afford braces for your child. You can find an orthodontist who allows monthly payments and is willing to finance the cost of your child’s braces, or you can purchase braces insurance before you take your child to their first orthodontic appointment.

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The following article provides additional information on braces and payment options.

How do you know if your child needs braces?

Before exploring the question of how to pay for braces, you first need to understand how and when to know if your child needs braces. Braces seem to be almost a right of passage among American teens and pre-teens. However, when to get braces has more to do with each individual child’s mouth development than with age. It would be wrong to say that at age 12 braces are needed by most children. Children as young as 8 can get braces and many adults also have braces.

Braces have changed a lot over the years. They are no longer the bulky metal device with colored rubber bands that they used to be. Braces now come in all different types. You can even:

  • Choose braces in the color of your favorite team
  • Get clear braces like the Invisalign brand
  • Get braces you wear behind your teeth

The signs that your child needs braces are pretty straight forward, but the decision should be made by your dentist or pediatric dentist who will in turn refer you to an orthodontist in the area.

What signs indicate the need for braces?

Has my child lost all his or her baby teeth? You certainly don’t want to get braces on teeth that will be falling out. Losing all baby teeth can take up to 14 years. Just as with height or other adolescent development, losing baby teeth happens at different times for different children.

  • The spacing of your child’s teeth. Are the teeth crowded together or spaced far apart? Both of these spacing issues can be a sign that braces are needed.
  • Crookedness of adult teeth or adult teeth that protrude. This includes an overbite, under bite, or “buck” teeth.

If your child has any of these problems with their adult teeth, braces are the best way to fix teeth and make them straighter. Be sure to watch for any signs that your child may be experiencing teasing for teeth that are crooked. If this is happening, the sooner the better for the braces process to begin.

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What are the options for paying for braces?

Dental insurance occasionally cover a portion of braces and orthodontic care. Braces are expensive and dental insurance companies know that if you have children, chances are you may have to get braces for them. Because of this, some family dental plans cover a small portion of orthodontic care but not a significant amount.

Most orthodontists allow you to set up payment plans for braces. This can be divided up over a year or over the length of time the braces will be wore. This is usually done through a medical credit card which means there is a credit application and approval that must be met. Once you are approved, the whole amount is charged and then you make payments to the credit card company.

However, some orthodontists still allow you to make monthly payments directly to them. This is rare because braces are not something that can be “repossessed” if payments aren’t made. But, it is important to note, that the orthodontist is the one to remove your braces and if you aren’t making your payments, this won’t be done.

The option to purchase braces insurance is available, but it must be done before your child’s first orthodontic appointment. The premium payments are high but in the long run, it may save you money. This is especially true if you have multiple children.

To find a dental insurance company or braces insurance, use the online comparison tool. This third party rate tool will allow you to see what different companies have to offer side by side. Then you can compare rates and quotes and choose the company that best meets the orthodontic needs of your family.

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