I have dental coverage through Delta Dental. My question is, I am 38 years old and need braces. My alignment and bite is off and causing medical problems such as biting inside of mouth and cheeks, TMJ with headaches. My insurance company will not cover anyone over the age of 26. I have started having problems back in 2011 but could not afford braces as I was a stay at home mom with 2 little kids. Since then I have continued to have TMJ problems and my teeth shifted to the point where my teeth are completely crooked. I have had 3 root canals and cavities b/c of my teeth shifting and causing cavities no matter what. In order to correct this problem and not have future issues with my teeth and jaw I need braces. Is there a plan that will assist me with this cost?
Children are required to be offered dental, but adults aren't. Medical coverage doesn't always extend to dental, this leaves major dental surgery uncovered for many. Unless your health plan considers the orthodontic work to be critical to your health it most likely wouldn't be covered under your health plan. A dental plan would cover it, however the cost sharing structure of dental insurance might not do much to pad the costs of your surgery. You can try talking to your dentist, doctor, and insurance about this issue and see if you can come up with a solution.
Learn more about ObamaCare and dental coverage.