Online Dental Insurance – Can I get dental Insurance Help, Fifteen?
Right now, I am only 15. I have a huge overbite that my parents will not fix, saying there was nothing wrong with my teeth and that they are not going to spend the money they don’t have to fix good teeth. I have been fighting with them for a long time, but they do not care how I feel. I want to get braces, and I will get a part-time job to save my own money. Can I get dental Insurance at 16?
My parents said that I could not and that when I was 18, it would be too late for me to get dental Insurance for braces since they do not cover adult braces. Is this true? Please advise. Even if I have to wait until I am 18, am I going to be forced to pay for braces without any Dental Insurance?
Reply: Braces can be costly, even with dental Insurance, which helps reduce the cost of braces. So if your parents tell you they can not afford them, maybe take them at their word. It is good that you are willing to pay for the cost alone instead of continuing to fight with your parents, as that is getting you nowhere.
Some dental HMO Insurance plans will let a minor have their plan as an individual, but only a few, and it would be about calling each company up and verifying before buying. You would have better luck getting dental Insurance when you are 18. Your parents are only partly correct when they say dental Insurance doesn’t cover braces for adults. Many insurance plans are like that. However, there are many more that do provide orthodontic benefits for adults. It comes down to reading the terms and conditions of the plan to verify if it allows for the benefits you are looking for.
Also, any part-time job you may get might provide some dental insurance and medical benefits. If you get a job that does, you should review what is provided to you on the off chance that it also has orthodontic benefits.
