Does Dental Insurance Cover Braces?

Braces can cost thousands of dollars. However, if you or your child has crooked or gapped teeth, you may feel it is a smart investment to make. No one should be self-conscious about their smile and the appearance of your teeth may affect the way some people, such as potential love interests and employers, view you. If money is tight, you may wonder if dental insurance covers braces or if you are on your own. Here is what you need to know about dental insurance and braces in the greater Niles, IL area.

Braces are typically considered to be a cosmetic item. As such, they are typically not covered under your dental insurance policy. However, in some cases, braces are a necessity, rather than a cosmetic item. If teeth are crossed, they may not be getting properly cleaned, which can put the teeth at risk for cavities. Straightening the teeth may be needed to prevent this. Likewise, overbites may prevent someone from properly chewing. Braces can solve this issue as well.

Bob Korvas Agency Inc. strongly recommends that you talk to your dentist about braces before obtaining an insurance policy in hopes they will be covered. A dentist can let you know if braces are a necessity or a cosmetic item for you or your child, and thus, whether they would be covered in full, partially or not at all by the insurance company.

Even if braces are not covered by the dental insurance company, many dental issues are covered by dental insurance, including teeth cleaning, x-rays and fillings. If you are looking to obtain a new dental insurance policy, let Bob Korvas Agency Inc. serving the greater Niles, IL area, assist you. Call us today and let us find you the right policy or give you an estimate for a new dental insurance policy.

Three Things To Know Before You Purchase Health Insurance

Selecting the perfect health insurance policy can be confusing. With constantly changing rules and industry jargon, it can be hard to navigate the various individual health care options. Coinsurance? COBRA? HSA? PPO? HMO? It sounds like alphabet soup. You can get a basic health insurance quote based on some simple factors, but before you purchase a policy, you should research and identify what type of health insurance plan is best for you. To help you out, Bob Korvas Agency Inc. has put together the following list of three things you should know before you pick the right health or dental insurance policy for you.

There are Hundreds of Health Plan Options

Depending on your specific situation and needs, there may be between three and 300 health insurance plan options to choose from. Just as you would compare all the options and features of a new vehicle before purchasing a car, you should also compare options when purchasing a health plan. It’s best to consult with an insurance agent who can search through all options to help you find the best policy for you.     

Consider All Health Plan Options

When it comes to making a decision about your health care plan, you should consider everything available. Your options may run the gamut from employer plans, government plans, private individual plans, short-term plans and more. While the sheer number of choices can be overwhelming when you find the right one it can give you peace of mind and save you thousands of dollars. Here is some of the jargon demystified that you’ll need to know:

  • Premium — The amount of money your health insurance coverage will cost for a specified period of coverage.
  • Fixed benefit — A specific amount due for a particular extras service item. Ask your insurer what your benefit will be.
  • Excess – An amount that must be paid for your same day or overnight hospital treatment, which may vary, depending on what level of coverage you select.
  • Gaps – The difference between a health provider’s fees and the amount your insurer agrees to pay, and the out-of-pocket expenses you’ll incur.

Timing Matters

If you are transitioning to a government plan or leaving an employer health plan, pay attention to the transition timing to ensure you aren’t left with gaps in coverage. Certain health insurance plans require you to enroll within a specific window to qualify.

Contact Bob Korvas Agency Inc. today for information about finding health coverage to protect you from emergency situations, treat common health concerns and receive regular check-ups. Talk to our experienced health insurance agents in Niles, IL to determine the best option for your health insurance coverage needs.