Dental Insurance is often a part of every employer’s health care package. Even though your employer is the one who decides the plan and level of coverage, you may get lucky and have orthodontic treatment covered under your policy. With this being said, most plans are limited to children under the age of 18, but it is becoming more popular for employers to opt-in for adult coverage also.
If you are unsure of your current coverage, you should check with your human resources department. Make sure you clarify whether you have limitations. Ask if there are yearly or lifetime maximums or any waiting periods before you can begin treatments. The amount of coverage varies from company to company, but it is common to see about a 50% coverage with a $1500 lifetime maximum. You also need to clarify the types of braces that are covered and if you are required to visit a dentist or orthodontic specialist within your insurance network.
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