Braces ...is having insurance or dental insurance cheaper than going to a private orthodontist ???

I want to have braces done


i just wanr to know where would it cost me less to have braces


having dental insurance or just going to an orthodontis


if u have experience in this field i would be really happy if u tell me about ur experience (orthodontist or insurance or both)


plz help me


i have been searching on the net for hours but nothing helped me

Braces ...is having insurance or dental insurance cheaper than going to a private orthodontist ???
cheaper not to get insurance.by the time you put up with the waiting period you've already handed over your second year of premiums and still you get hardly anything back.


some dentists that do orthodontics are cheaper.


if your in sydney, email me and ill tell you some good ones!
Reply:No doubt the easiest way to get insurance quotes is on the web.


Why would you waste your time on the phone calling around?


the last time i needed quotes on insurance i used one of these comparison sites and it was great.


this is the site i used and it was quick like less than 5 mins.


The last thing I want to do is listen to elevator music while waiting for a salesman.


Anyway I got good quotes and ended up saving money so I was happy.


So shop around and compare quotes which is easy on the net.


Good starting point is at this site.





http://insurance.deal4-you.com





Good luck.
Reply:An orthodontist will take dental insurance in most cases but if you don't currently have insurance there will be a wait of at least 18 months before the braces will be covered with most plans and then you are still paying 50% - 75%. Many dental insurance plans do not cover orthodontics so be careful and read the exclusions before signing up.





You have four options with dental.





1. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you.





2. Insurance - Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 - $1500, they have a waiting period up to 18 months for major work and then you're paying 50% of the charges. Advantage - you can use any dentist with most plans.





3. Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health %26amp; dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes... concerning these plans.





4. Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you for most services. With orthodontics you get a discount of around 20% but you don't have the waiting period.





I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo... specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.