I’m 15 and my mom wants me to get braces but my current insurance which is MCNA, doesn’t cover the cost. Are there any health insurance companies that cover the cost of braces for someone my age?
5 Comments Already
July 10th, 2010 @2:39 am
Only dental insurances would cover this and they usually only cover 50% of the cost. Unless medically necessary they are considered asthetic and therefore not covered.
July 10th, 2010 @3:31 am
Any private insurance that you would buy, would work like this:
You have to pay in a full year, until orthodontics are covered
They’d cover 50%, up to $500 or $1,000 – Not Much.
It’s not worth it. I’ve never seen a private policy that pays out more than it costs.
July 10th, 2010 @4:00 am
Private dental insurance is worth it because they do/can pay more than you paid into it. Problem is the 50% figure everyone is dropping is for major DENTAL services…NOT orthodontic services. If you’re buying dental for Orthodontic services then you’re going to be disappointed. My orthodontist does payment plans. That’s what you’ll need to do.
July 10th, 2010 @4:20 am
The answers below about dental insurance being the right insurance for this kind of treatments is correct. One thing that you might want to look into is payment plans. I know that my son’s orthodontist bills us over 12-24 months for payments which makes it easier and more affordable for us.
I hope that this helps -
you’re gonna need to call up and ask…maybe your state has a medical insurance just for kids…( Fl does…)