Dental Knowledge
Consultation: Is Orthodontic Insurance Covered by Medical Insurance?
Orthodontic insurance coverage is a common concern for many customers. Because everyone wants to have straight and beautiful teeth to confidently shine with a lovely smile. However, there are many cases of inherent dental issues such as protruding or misaligned teeth. In the past, people had to live with self-consciousness and unease due to these imperfections on their faces. But now, with orthodontic technology, all these flaws can be corrected.
However, orthodontic treatment can be quite expensive, and not everyone has the financial means to afford it. Additionally, some customers realize that medical insurance may provide coverage for dental treatments. So, is orthodontic treatment covered by medical insurance? Is orthodontic insurance supported? Let’s find specific answers in the following article.
What is orthodontic treatment? Can it correct dental imperfections?
What is orthodontic treatment ? Orthodontic treatment is known as a method of correcting dental flaws to enhance the aesthetics of teeth. Specifically, during orthodontic treatment, dentists use dental instruments to arrange, reposition, and bring the teeth back to their proper places.
Orthodontic treatment specializes in correcting issues such as misaligned teeth, malocclusion, crowding, protrusion, and even temporomandibular joint disorders, effectively improving chewing function and bringing balance and harmony to the face.
It can be said that orthodontic treatment effectively corrects many dental imperfections. You will become much more confident when you have a straight and well-aligned set of teeth.
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Introduction to orthodontic insurance
Orthodontic insurance is a specialized medical insurance service that aims to support and protect oral health during the process of orthodontic treatment. Provided by insurance companies or healthcare organizations, orthodontic insurance helps minimize the financial burden of undergoing orthodontic procedures.
Orthodontic insurance covers partial or full compensation for costs related to orthodontic treatment, including diagnostic imaging, orthodontic tools and materials, adjustment appointments, and other associated expenses.
Having orthodontic insurance brings many benefits to the users, including cost savings, ensured treatment quality, and reduced financial burden for the family.
However, each orthodontic insurance package has its own terms and limitations, and choosing the appropriate insurance package is crucial. Before purchasing orthodontic insurance, users need to thoroughly research the terms, regulations, and coverage to ensure that their needs are met.
Introducing orthodontic insurance helps users gain a better understanding of the benefits, procedures, and factors to consider when using this service, thereby making informed decisions about purchasing suitable orthodontic insurance.
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Is orthodontic treatment covered by medical insurance? How does dental insurance apply reimbursement?
Is orthodontic treatment covered by medical insurance? Participating in medical insurance entitles you to numerous benefits when visiting for check-ups or receiving treatment. The scope of reimbursement with medical insurance is also the widest compared to other health insurance and life insurance types in the market.
In dental care, medical insurance also includes a list of reimbursable treatments and benefit allowances. However, not all cases are eligible for reimbursement when it comes to dental check-ups and treatment. So, which treatments are covered by medical insurance in dental care? Does orthodontic insurance receive support?
According to Article 21 of the Health Insurance Law, it is clearly stipulated that cases eligible for medical insurance reimbursement are determined by dental professionals for issues related to diseases. On the other hand, voluntary dental treatment or treatment for cosmetic purposes will not be supported by medical insurance.
Is orthodontic insurance supported?
Is orthodontic insurance supported? As mentioned above, medical insurance only provides benefits for cases that are designated and supported for the treatment of serious dental diseases. For example, dental check-ups, tooth extractions for cavities, dental fillings to support the treatment of other dental diseases as prescribed by a dentist, etc., will be reimbursed by medical insurance.
However, when it comes to orthodontic treatment, medical insurance does not provide support. This is because orthodontic treatment is a personal need for each individual to correct flaws and improve aesthetics, so orthodontic insurance will not provide any reimbursement.
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Does life insurance or non-life insurance provide coverage for orthodontic treatment?
In addition to medical insurance, many customers have also purchased additional health care insurance cards from life or non-life insurance companies to protect their overall health. So, does orthodontic treatment from life or non-life insurance contracts provide coverage?
Similar to medical insurance, orthodontic treatment will not be supported or covered by insurance. This is because orthodontic treatment also stems from personal aesthetic needs, while insurance regulations are very clear about the fact that dental treatment is only supported and reimbursed when it is prescribed by a dentist. Any personal adjustments, dental fillings, etc., are not within the scope of insurance coverage.
Considerations when using orthodontic insurance:
When using orthodontic insurance, there are some important considerations to take into account:
- Read and understand the insurance terms: Before purchasing orthodontic insurance, carefully read and understand the terms and conditions of the contract. Make sure you have a clear understanding of the coverage scope, compensation levels, conditions, and limitations that apply.
- Choose the appropriate insurance package: There are various orthodontic insurance packages available with different compensation levels and conditions. Choose the insurance package that suits your needs and financial situation. Consider factors such as premium amounts, coverage scope, and the number of reimbursements allowed per year.
- Investigate the dentist network: Check if the orthodontic insurance is affiliated with any dentist networks. Ensure that there are an adequate number and quality of dentists in the network near your location.
- Waiting periods and limitations: Some insurance packages may require a waiting period before you can use the insurance benefits. Additionally, there may be limitations based on age, current oral condition, and pre-treatment requirements before insurance coverage is provided.
- Treatment within the dentist network: Orthodontic insurance usually requires you to receive treatment from dentists within the insurance network. Make sure you can access dentists within this network and that their service quality meets your requirements.
- Insurance deadlines and extensions: Have a clear understanding of the insurance deadlines and extension regulations. Avoid insurance expiration before completing the orthodontic treatment process.
- Provide complete information and documentation: When requesting reimbursement from insurance, provide all relevant information and documentation. You may need to provide diagnostic records, treatment records, and other related documents to receive compensation.
- Seek advice from experts: If you are unsure about insurance terms or the correct orthodontic procedure, seek advice from experts or insurance personnel for detailed and reliable information.
BeDental – Affordable orthodontic services with many benefits
Because orthodontic treatment serves aesthetic purposes, orthodontic insurance from medical insurance and life insurance is not applicable for reimbursement. However, the cost of orthodontic treatment in the market can be quite high. Don’t worry, you can consider affordable orthodontic services at BeDental.
Although you cannot enjoy payment support from medical insurance for orthodontic treatment, the orthodontic prices at BeDental are quite affordable and suitable for various individuals. This is because BeDental regularly offers discount programs. Additionally, some payment methods are eligible for a percentage deduction, helping you save a considerable amount of money.
You can have complete peace of mind about the quality of orthodontic treatment at BeDental. The team of dentists is highly skilled and has many years of experience in performing orthodontic procedures to achieve the best aesthetic results. BeDental also offers a wide range of orthodontic options with different price ranges for you to consider and choose according to your needs.
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The article above has helped answer your question about whether orthodontic insurance is covered by medical insurance. We hope this information is useful to you. Contact BeDental to receive prices for cosmetic braces and a range of accompanying benefits.
Price list for reference:
DANH MỤC GIÁ THÀNH
1.Giá Chỉnh nha tháo lắp
Orthodontic Trainer10.000.000
~ 393$
2.Giá Chỉnh nha cố định
Orthodontic Brace
Giá Chỉnh nha Mắc cài kim loại thường Classic Japan (Tìm hiểu thêm...)
Japanese traditional metal brace(2 hàm) 30.000.000
~ 1.179$
Giá Chỉnh nha Mắc cài kim loại 3M USA (Tìm hiểu thêm...)
USD traditional metal brace (More detail...)(2 hàm) 35.000.000
~ 1.375$
Giá Chỉnh nha Mắc cài kim loại tự buộc 3M USA (Tìm hiểu thêm...)
Self-ligating metal brace (More detail...)(2 hàm) 39.000.000
~ 1.532$
Giá Chỉnh nha Mắc cài sứ thông thường 3M (Tìm hiểu thêm...)
Traditional ceramic brace (More detail...)(2 hàm) 38.000.000
~ 1.493$
Giá Chỉnh nha Mắc cài sứ thông minh 3M
Self-ligating ceramic brace(2 hàm) 55.000.000
~ 2.161$
Giá Chỉnh nha Mắc cài Sapphire USA
Traditional Sapphire brace(2 hàm) 45.000.000
~ 1.768$
Giá Cấy Minivis: 2.500.000/1 vis (Tìm hiểu thêm...)
Miniscrew2.500.000
~ 98$
3. Chỉnh nha bằng máng trong suốt INVISALIGN (More detail...)
Giá chụp Phim Clincheck 10.000.000
~ 393$
Giá Chỉnh nha bằng hệ thống khay niềng INVISALIGN
Invisalign Express Package (trường hợp đơn giản)
1 hàm
2 hàm 35.000.000
~ 1.375$
45.000.000
~ 1.375$
Giá Chỉnh nha bằng hệ thống khay niềng INVISALIGN
Invisalign Lite Package (trường hợp nhẹ)
1 hàm
2 hàm 60.000.000
~ 2.358$
75.000.000
~ 2.947$
Giá Chỉnh nha bằng hệ thống khay niềng INVISALIGN
Invisalign Moderate Package (trường hợp trung bình)
1 hàm
2 hàm 85.000.000
~ 2.947$
110.000.000
~ 4.322$
Giá Chỉnh nha bằng hệ thống khay niềng INVISALIGN
Invisalign Comprehensive - mức độ 1 (Unlimited)
Trọn gói / Package
130.000.000
~ 5.108$
Giá Chỉnh nha bằng hệ thống khay niềng INVISALIGN
Invisalign Comprehensive - mức độ 2 (Unlimited)
Trọn gói / Package
150.000.000
~ 5.894$
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Tư vấn chuyên môn bài viết:
BÁC SĨ VÕ HUY VI
BEDENTAL - TOP STANDARD DENTISTRY SYSTEM
In HANOI
Address 1: 7B Thi Sach St, Ngo Thi Nham, Hai Ba Trung Dist, Ha Noi. - 0934.61.9090
Address 2: 343 Tay Son St, Nga Tu So Ward, Dong Da Dist, Ha Noi. (Nga Tu So Cross) - 0934.61.9090
Address 3: CC2 Tower Nguyen Huu Tho St, Dinh Cong Ward, Hoang Mai Dist, Ha Noi. (Inside True Hope ) - 0934.61.9090
In HO CHI MINH
Address 1: 53 -55 -57 Pho Duc Chinh St, Nguyen Thai Binh, Dist. 1, Ho Chi Minh. - 0766.00.8080
Address2: 25, City Land urban area, Go Vap Dist, Ho Chi Minh - 0766.00.8080
Working: 9am - 6pm everyday
Website: https://bedental.vn/en/
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