Q:

How do you get orthodontic insurance for adults?

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Quick Answer

An adult can acquire orthodontic insurance by purchasing an optional dental insurance coverage plan from his employer if one is available, according to eHealth. In lieu of a dental plan, an individual might consider purchasing a dental discount plan instead, which may offer discounts on orthodontia procedures, states Colgate. If enrolling for a dental plan through the Affordable Care Act, some individual plans, such as the DeltaCare USA PAA48 plan, offer coverage for braces.

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Full Answer

For those seeking a dental discount plan, the DentalPlans website contains a database of discount plans, allowing individuals to compare plans by fees, network dentists and discounts, according to Colgate. Individuals can also search for and compare discount programs and dental insurance plans on the National Association of Dental Plans website. Discount plans often work in conjunction with or as a supplemental to a dental plan.

The human resources department for a business may provide information on whether or not the employer offers coverage for braces and what kind of coverage is available, informs Colgate. Before purchasing coverage for braces, an individual should check the lifetime maximums, required waiting periods before the start of treatment, and whether or not the plan requires seeing a dentist or orthodontist in the insurance plan's network.

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