The most common type of dental insurance are PPOs also known as Preferred Provider Organization – most people have these. These plans are usually offered through your employer and are accepted by almost all dental offices. PPO plans usually allow a fixed amount for you to apply toward the cost of your orthodontic treatment. If you have a PPO plan, here are a few things you should find out:
- Does my plan have orthodontic benefits?
- If so, what is the lifetime maximum coverage amount?
- Are there any age limitations?
- Who does the orthodontic benefit apply to? Myself only or my dependents as well?
- Are there any waiting periods?
- In the case of dual coverage; “Is there a coordination of benefits clause on my plan?”
In general, orthodontic benefits have a lifetime maximum coverage. Typically full treatment plans range from 18-36 months, with the payout prorated over the expected months of treatment. For Phase I patients, where treatment times range from 6-12 months, you should expect to receive a portion of the lifetime benefit. The remainder of your benefit can be utilized when full treatment starts.
When you call to schedule your initial complimentary examination, our front desk staff at Orthodontic Specialists. can assist in verifying your orthodontic benefits for you.
The most common insurance carriers that offer PPO dental plans are Aetna, Cigna, Delta, Guardian, MetLife, and United Concordia. Orthodontic Specialists participates in all these major PPO networks.