Dental insurance that covers braces for kids in CA
Hi,
Has anyone got health insurance that covers or has covered the cost of braces for children in California ? And if so, which companies? We're being hooked up with Kaiser Permanente and it doesn't seem to mention coverage from what i've read. Many thanks |
Re: Dental insurance that covers braces for kids in CA
Originally Posted by Mic1
(Post 13019243)
Hi,
Has anyone got health insurance that covers or has covered the cost of braces for children in California ? And if so, which companies? We're being hooked up with Kaiser Permanente and it doesn't seem to mention coverage from what i've read. Many thanks Can’t help with CA, but here in CT we have separate dental insurance and have the kids added to that. Although I have seen mention of children’s dental on some ACA plans. |
Re: Dental insurance that covers braces for kids in CA
Most insurance plans I had in the past (Aetna/Blue Shield/Anthem etc) had a dental plan, but none of them covered more than $1,500 in any one year. (that covered all types of dental treatment - no specific amount for braces)
If you want dental coverage you usually have to contact the insurance company and get separate quote. Below is a Kaiser application form which includes 'optional' dental: https://wa.kaiserpermanente.org/stat...pplication.pdf |
Re: Dental insurance that covers braces for kids in CA
One that somebody else pays for, usually an Employer, otherwise it is money going around in circles.
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Re: Dental insurance that covers braces for kids in CA
Originally Posted by SanDiegogirl
(Post 13019257)
Most insurance plans I had in the past (Aetna/Blue Shield/Anthem etc) had a dental plan, but none of them covered more than $1,500 in any one year. (that covered all types of dental treatment - no specific amount for braces)
If you want dental coverage you usually have to contact the insurance company and get separate quote. Below is a Kaiser application form which includes 'optional' dental: https://wa.kaiserpermanente.org/stat...pplication.pdf For a few years I had dual coverage with Delta, my work policy and another from my wife’s. I had a bunch of NHS work to replace and spaced it over 3-4 years and even with dual coverage I paid $3-5k on top of the insurance, I also was paying the difference between the max plan rate for a treatment and what the dentist charged. I assume some of that was the NYC premium and having a view of St Patrick’s cathedral from the chair… but I feel like dental is more transactional than medical… the fee for each thing is in the $100’s to $1-1.5k.. but when you add them all up it can get expensive. I have not needed one but believe root canals are even more expensive. |
Re: Dental insurance that covers braces for kids in CA
It is always worth asking a dentist if they will reduce the fees if you pay cash. Most will do so as the credit card fees take a chunk anyway.
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Re: Dental insurance that covers braces for kids in CA
Originally Posted by tht
(Post 13019274)
You make it sound like that’s a low number, I have a private delta dental plan, and the coverage per covered person is $1500 in year one and rises to $2000 in year 3. Those limits are pretty normal from I have seen at Delta and Guardian employer plans that are not bargain basement.
For a few years I had dual coverage with Delta, my work policy and another from my wife’s. I had a bunch of NHS work to replace and spaced it over 3-4 years and even with dual coverage I paid $3-5k on top of the insurance, I also was paying the difference between the max plan rate for a treatment and what the dentist charged. I assume some of that was the NYC premium and having a view of St Patrick’s cathedral from the chair… but I feel like dental is more transactional than medical… the fee for each thing is in the $100’s to $1-1.5k.. but when you add them all up it can get expensive. I have not needed one but believe root canals are even more expensive. I pay cleaning at $150 a pop, a simple filling is approx $300, a crown is anything between $800 and $1,200 and a root canal can set you back $1,500. It soon adds up if you have anything apart from a clean or a filling. Personally, as a private individual paying for my own insurance, i could never see the point of paying $70 a month for dental insurance when it was only going to pay for $1,500 worth of treatment max. |
Re: Dental insurance that covers braces for kids in CA
Originally Posted by Mic1
(Post 13019243)
Hi,
Has anyone got health insurance that covers or has covered the cost of braces for children in California ? And if so, which companies? We're being hooked up with Kaiser Permanente and it doesn't seem to mention coverage from what i've read. Many thanks |
Re: Dental insurance that covers braces for kids in CA
Originally Posted by tht
(Post 13019248)
congrats! I recall all your posts about L1, E, O1 etc, which visa did you end up moving over on? I assumed no one was getting visas at the moment!
Can’t help with CA, but here in CT we have separate dental insurance and have the kids added to that. Although I have seen mention of children’s dental on some ACA plans. |
Re: Dental insurance that covers braces for kids in CA
Originally Posted by SanDiegogirl
(Post 13019257)
Most insurance plans I had in the past (Aetna/Blue Shield/Anthem etc) had a dental plan, but none of them covered more than $1,500 in any one year. (that covered all types of dental treatment - no specific amount for braces)
If you want dental coverage you usually have to contact the insurance company and get separate quote. Below is a Kaiser application form which includes 'optional' dental: https://wa.kaiserpermanente.org/stat...pplication.pdf |
Re: Dental insurance that covers braces for kids in CA
Originally Posted by Boiler
(Post 13019271)
One that somebody else pays for, usually an Employer, otherwise it is money going around in circles.
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Re: Dental insurance that covers braces for kids in CA
Originally Posted by Nutmegger
(Post 13019291)
It is always worth asking a dentist if they will reduce the fees if you pay cash. Most will do so as the credit card fees take a chunk anyway.
|
Re: Dental insurance that covers braces for kids in CA
Originally Posted by Lion in Winter
(Post 13019316)
As others have mentioned, you can get partial coverage. My employer's group plan with Cigna had some, I think it was 1,500 lifetime benefit for orthodontistry. The cost was considerably more, but dentists are use to this and arranged a monthly payment plan.
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Re: Dental insurance that covers braces for kids in CA
Originally Posted by Mic1
(Post 13019363)
Good point but i imagine that equates to no receipt and no record of the work ever being done. Therefore, heaven forbid if something went very wrong either after the work, where would you stand legally?
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Re: Dental insurance that covers braces for kids in CA
Originally Posted by Mic1
(Post 13019363)
Good point but i imagine that equates to no receipt and no record of the work ever being done. Therefore, heaven forbid if something went very wrong either after the work, where would you stand legally?
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