Questions to Ask Your Insurance Company Regarding Your Orthodontic Treatment
Coming in for a free consultation at Ortho Styles is easy. We like to think our BC and Alberta clinics are warm, welcoming environments where you can ask any questions about your treatment. We can only wish you the same luck with an insurance company. Here we’ve provided our own guide of questions you can ask your insurance broker to cover the details of your orthodontic treatment.
How Long Are We Talking?
You might be familiar with policy periods if you’ve used your insurance coverage at the dentist. There are different types of periods your insurance company will use to break up the benefit allowance you are allowed to claim from. In a policy period you are allowed a certain amount of money you can claim from, but the unclaimed money won’t roll over into the next period. This can affect how much money you can use on a down payment, as that can max out your allowance at the start of the period. The questions you’ll want to ask your insurance broker are: What is my policy period (e.g. 6 months, a year, etc.), and what is my limit? And, is it a personal limit or shared between your other family members?
Percentage of Reimbursement:
Once you have determined those numbers, there could be further fine print regarding the percentage of reimbursement they can provide. You may think that your insurance will cover a $10 000 fee over a year, but if you claim $10 000, and they only reimburse 50%, you’ll still be paying $5000 out of your own pocket.
The Fine Print and legal jargon is what you have to look at, lastly. You may not know exactly what treatment you require from your orthodontist, but the insurance policy will provide a list of what is and isn’t categorised in their treatment. Jaw surgery, for example, is a very expensive procedure, and some insurance companies actually categorise it as plastic surgery even though most people who get the surgery don’t do it for aesthetic reasons. Getting a better idea of what they cover can also help you make decisions with your orthodontist such as getting braces vs. Invisalign, or getting jaw surgery vs. braces, depending on what is covered.
With these details we hope you can get a clearer answer from your insurance company regarding your personal policy. Now, remember the easy part: have you booked that free consultation with us?
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