Introduction
If you or someone you know needs braces, it’s important to know what dental insurance covers. Delta Dental is one of the largest dental insurance providers in the United States, but does it pay for braces? In this article, we’ll explore the answer to that question and provide some tips for getting the most out of your dental insurance.
What Does Delta Dental Cover?
Delta Dental offers a range of dental insurance plans, but not all of them cover braces. Generally, Delta Dental plans cover preventive and basic services like cleanings, fillings, and X-rays. Some plans also cover major services like crowns, bridges, and root canals. However, orthodontic treatment like braces is often considered a separate category.
Orthodontic Coverage
If you need braces, you’ll want to look for a Delta Dental plan that includes orthodontic coverage. This type of coverage varies by plan, but it typically covers a portion of the cost of braces. For example, a plan might cover 50% of the cost of braces up to a certain dollar amount. It’s important to note that many plans have a waiting period before orthodontic coverage kicks in, so be sure to check the details of your plan.
Out-of-Pocket Costs
Even if your Delta Dental plan covers braces, you may still have to pay some out-of-pocket costs. This can include deductibles, copays, and coinsurance. Deductibles are a set amount you have to pay before your insurance kicks in. Copays are a set amount you have to pay for each visit or service. Coinsurance is a percentage of the cost that you have to pay. Be sure to check your plan for details on out-of-pocket costs.
Tips for Getting the Most Out of Your Dental Insurance
Whether you have Delta Dental or another dental insurance provider, there are some tips you can follow to get the most out of your coverage:
1. Understand Your Plan
Take the time to read through your plan’s details and understand what is covered and what isn’t. This can help you avoid surprises when you receive a bill.
2. Choose In-Network Providers
Many dental insurance plans have a network of providers that offer discounted rates. Choosing an in-network provider can help you save money on your dental care.
3. Use Preventive Services
Most dental insurance plans cover preventive services like cleanings and checkups. Using these services can help you avoid more expensive dental problems down the line.
4. Shop Around
If you need a major dental procedure, get quotes from multiple providers. This can help you find the best price and ensure that you’re getting quality care.
Conclusion
Delta Dental may cover braces, but it depends on your specific plan. Be sure to check your plan’s details and understand any out-of-pocket costs you may have to pay. By following these tips, you can get the most out of your dental insurance and keep your smile healthy.