The Ins and Outs of Orthodontic Insurance Coverage
Dr. Patrick T. Cuozzo wants every patient to receive the benefits of straight teeth and a beautiful smile. Although some patients worry about the cost of orthodontics, there may be more options available to have a portion of the treatment covered. In the past, employer-sponsored plans were limited and your only option. Now, more and more employers are offering orthodontic benefits on their plans, as well as flexible spending accounts (FSA) and health savings accounts (HSA). These accounts are pre-tax dollar accounts that can be used towards your out-of-pocket costs.
If you are planning on starting orthodontic treatment in the next calendar year and need to choose a new insurance plan, make sure that the plan offers coverage for orthodontics. You always want to maximize your available benefits; some plans have exclusions such as age limitations, waiting periods and deductibles. If you have questions regarding the plans your employer is offering, please feel free to contact our Financial/Insurance Coordinator at 732-747-3466.
You can save a significant amount of money when using a flexible spending account (FSA) or a health savings account (HSA) for your orthodontic treatment. Be aware of the amount that you are contributing to your flexible savings account (FSA); unused FSA dollars are often lost if not used. Every employer will have different guidelines for their plans. Unlike a flexible spending account (FSA), health savings accounts (HSA) will allow the balance to roll over from year to year and you don’t lose your savings. After your consultation with Dr. Pat, a member of our team will provide you with the total cost of treatment, allowing you to accurately set up your pre-tax dollar accounts.
At Cuozzo Orthodontic Specialists, our goal is to help as many people as possible achieve the smile they deserve. Our team would be happy to talk more with you if you have any questions about insurance for orthodontics. We also offer a variety of convenient payment options which allow our patients to pay for treatment in a manner that works with their budgets.
