Losing your insurance coverage while you have braces can be a concerning situation, as orthodontic treatment can be expensive. Here’s what typically happens if you find yourself in this situation, along with an example:
- Coverage Termination: When you lose your insurance coverage, whether due to a job change, aging out of a parent’s plan, or any other reason, your orthodontic coverage will also cease. This means that the insurance company will no longer cover the costs associated with your braces.Example: Imagine you had braces put on, and your insurance covered a significant portion of the expenses. Then, you change jobs and your new employer’s insurance doesn’t include orthodontic coverage. In this case, you lose your insurance during your braces treatment.
- Out-of-Pocket Costs: Without insurance, you will be responsible for covering the full cost of your orthodontic treatment. This includes monthly payments to your orthodontist for adjustments, as well as any additional expenses such as retainers or repairs.Example: Let’s say your braces treatment was expected to last 18 months, and it was initially covered by your insurance, making it affordable. With the loss of coverage, you’ll now need to pay the entire remaining balance out of pocket.
- Discuss Payment Options: If you find yourself in this situation, it’s crucial to have an open conversation with your orthodontist. They may offer alternative payment plans or financing options to help you manage the cost of your treatment.Example: When you explain your insurance situation to your orthodontist, they might work with you to set up a monthly payment plan that fits within your budget. This can ease the financial burden of paying for the remainder of your treatment.
- Seek Alternative Insurance: Depending on your circumstances, you might explore options for obtaining new insurance coverage. This could involve enrolling in a different insurance plan through your employer, purchasing an individual plan, or seeking government assistance if you qualify.Example: If you lose your job and your employer-sponsored insurance, you can explore options through the Affordable Care Act (ACA) marketplace to find a plan that includes orthodontic coverage.
- Consider Discount Plans: Some dental discount plans are designed to help with orthodontic costs, even if you don’t have traditional insurance. These plans offer reduced fees for various dental procedures, including orthodontic treatments.Example: You might research and enroll in a dental discount plan that covers orthodontics. While it’s not the same as insurance, it can still provide substantial savings on your braces treatment.
In summary, losing your insurance during orthodontic treatment can be challenging, but it doesn’t mean you have to stop or delay your braces treatment. By discussing your situation with your orthodontist, exploring alternative payment options, and potentially seeking new insurance coverage, you can find a way to manage the costs and continue your journey to a beautiful smile.