Will your kids’ braces be covered if you sign up for Obamacare?
This question was recently asked to NPR by a 15 year-old as part of an ongoing effort to clarify questions relating to the changes that will happen under Obamacare. Just like any aspect of insurance, the changes resulting from the passage of the Affordable Care Act (Obamacare) are complicated and difficult to approach.
It seems as though there is little change under Obamacare regarding braces. Most dental insurance plans will only cover braces if it affects the patient’s health. For example, if a patient has trouble chewing or if crowded teeth are having a harmful effect on their health, then insurance will be more likely to cover the cost of braces. If the patient simply wants their teeth to look better, however, then insurance will most likely not cover the cost.
That said, pediatric dental coverage is a required coverage area under Obamacare. So if you or your parents are eligible for new or expanded health insurance under the new law, you will be able to get dental care. And if you need braces for health reasons, chances are your insurance plan will cover part of the cost of braces.
As with anything, the best thing to do is shop around to find which insurance suits you best. There is some flexibility offered by Obamacare, so you should be able to compare many different kinds of plans from several different insurance carriers.
The first thing to do when considering braces or another kind of orthodontic treatment is to call for a free consultation. After evaluating your needs, we can answer all of your insurance questions and see whether the cost of braces will be covered, and if so, how much. You have nothing to lose by asking!
Contact Dr. Frost online or call (314) 567-1888 to schedule a free consultation.