Metal Mouth Message Board

If so, how much do they cover for ortho?

I was fortunate to start my treatment when I did. Our company was recently purchased by another company and as of January 1, our benefits were covnerted to their plans and no longer cover ortho for those over 18. Under the old plan the insurance limited the total cost to $3800 and covered $1500. Add in the $300 new patient incentive that my ortho gave me and I feel like I got a mighty sweet deal.

We have excellent benefits in my organization. For adults, the program covers 50% up to $1500 for orthodonture. It also covers 50% of a few of the ancillary things, like the crowns, but also with limits. So the program will cover $2500-$3000 of my cost, and I'll have to cover $6-8K, depending on exactly how many crowns I end up with.

Perversely, the rules for kids (which in our plan is dependents in school under age 23) are different, and more is covered. The 50% still applies, but the cap is higher for orthodonture.

The other thing that helps for me is that my organization participates in Flexible Spending Accounts, which means that I can divert money to a healthcare account and that is excluded from income taxes. My wife is on some expensive medications, so even though my cost is spread out over two years, I still can't get it all tax-free (there is a $5K cap/year in the IRS regulations) but Uncle Sam is not taking his usual bite out my income for those dollars. Depending on your tax bracket, that's a nice deal or a big deal.

tc>

Yea, 50-60% or up to $1500 seems about the same for all insurance. That's for a lifetime in my case. If I ever need any other orthodontic care I will have to pay everything. They cover 80% for everything else.

my work is covering 50% of my cost up to a max of 2,000 got to love that!

SDFD TSchott

I have Comp Benifits and on my plan they only pay out $1500, lifetime max., for orthodontics.

here at home depot i get 2,000 worth of coverage. get this it started on 1-1-07 and i was braced on 1-2-07 i did not want to wait and see if they would cancel this benefit"as would be my luck" if they did such a thing .

louis

My dental covers adult ortho with a $2000 max lifetime benefit.
I then covered the rest with Flex Spending.