Does United Concordia Cover Braces for Kids?
Orthodontic treatment, particularly braces, is a significant investment for both parents and children. As one of the leading dental insurance providers, United Concordia offers various coverage options to help families manage the costs associated with braces. However, many parents are often left wondering: does United Concordia cover braces for kids? In this article, we will explore the details of United Concordia’s coverage for pediatric orthodontic treatment.
Understanding United Concordia’s Coverage
United Concordia offers dental insurance plans that cater to the needs of individuals and families. When it comes to braces for kids, the coverage depends on several factors, including the child’s age, the severity of their dental issues, and the specific plan they are enrolled in. Generally, United Concordia covers braces for children if they meet the following criteria:
1. Age: United Concordia typically covers braces for children between the ages of 3 and 19, with some exceptions for children with special needs.
2. Dental Issues: The child must have a dental issue that requires orthodontic treatment, such as misaligned teeth, crowded teeth, or bite problems.
3. Approval: The child must receive approval from a licensed dentist or orthodontist before United Concordia will cover the treatment.
Benefits and Limitations
Once the child meets the criteria for coverage, United Concordia offers several benefits for braces treatment. These benefits may include:
1. Coverage for a percentage of the total cost: United Concordia typically covers a percentage of the total cost of braces, which can vary depending on the plan and the child’s specific dental needs.
2. Maximum benefit limits: Some plans have maximum benefit limits, which means that United Concordia will cover a certain amount of the treatment cost, and the remaining balance must be paid by the policyholder.
3. Preventive care: United Concordia may cover preventive care, such as regular dental check-ups and cleanings, to help maintain the child’s oral health during the orthodontic treatment.
However, there are also limitations to consider:
1. Waiting periods: Some plans may have waiting periods before coverage for braces begins, which can range from 6 months to 1 year.
2. Pre-existing conditions: United Concordia may not cover braces for children with pre-existing dental conditions, unless the condition has been treated and is no longer a concern.
3. Exclusions: Certain treatments, such as cosmetic braces or retainers, may not be covered under some plans.
How to Check Coverage
If you are a parent considering braces for your child and want to determine if United Concordia covers the treatment, follow these steps:
1. Review your dental insurance plan: Carefully read your plan’s details to understand the coverage for braces and any limitations.
2. Contact United Concordia: Reach out to United Concordia customer service to discuss your child’s specific situation and to get more information about coverage.
3. Consult with a dentist or orthodontist: Work with a dental professional to determine if your child needs braces and to get an estimate of the treatment cost.
By understanding the coverage details and working closely with your dental insurance provider, you can ensure that your child receives the necessary orthodontic treatment while managing the associated costs effectively.
