What Does an Orthodontic Treatment Cost?
Many people live with misaligned teeth, which can cause problems and diseases. Especially for children and adolescents, an early orthodontic treatment makes sense in order to avoid long-term consequences. But even adults need not be afraid of going to orthodontics. However, the costs can be very high depending on the malposition. An additional dental insurance will cover these costs under certain circumstances.
When does the health insurance cover the costs for orthodontic treatment?
The statutory health insurance funds only cover the costs of orthodontics for children and adolescents. Those older than 18 years have to pay for the orthodontic treatment completely out of their own pocket. Adolescents who celebrate their 18th birthday during the treatment period, which often lasts for years, also benefit from the coverage of costs. The regulation laid down in Section 29 of the German Social Code (Sozialgesetzbuch V, Paragraf 29), that the start of treatment is decisive for the reimbursement of orthodontic costs, applies here.
Is orthodontic treatment covered for adults?
However, reimbursement for adult patients is only possible if there are serious anomalies. These can be congenital or acquired, for example through an accident or illness. In such a case, the health insurance company decides individually on the basis of a written application by the patient and a detailed explanation by the treating orthodontist.
Orthodontics: What are the costs for children and adolescents?
But even for children and adolescents, statutory health insurance does not cover all orthodontic costs. For example, young patients with a slight to very slight malposition of their teeth (orthodontic indication group KIG 1 or 2) do not pay, because since 2002 they have only been paid from a dental classification in the KIG 3. If the teeth are to be straightened anyway, this is a purely private service. The amount of these amounts depends on the duration of the treatment and the chosen braces. It ranges from several hundred to a thousand euros.
Which additional orthodontic costs do I have to plan with?
In addition, the parents of the young patient must contribute 20 percent (10 percent in the case of several children) of the legally reimbursable costs. However, this will be reimbursed by the health insurance upon request after the end of the treatment. Any additional benefits are also to be paid out of the patient's own wallet. These are almost always offered by orthodontists. They are intended to provide greater comfort when wearing braces or to have other, mostly cosmetic, benefits. Examples are tooth-coloured material or so-called "invisible braces". Also here several hundred to thousand euro additional costs can come to the parents. However, the benefits of such additional services are controversial, as health insurance companies cover all important costs for the orthodontic treatment of children and adolescents.
Is supplementary dental insurance advisable?
A dental supplementary insurance can reduce the sometimes high orthodontic costs. Various providers insure both children and adolescents as well as adults with their own policies. For children and adolescents, it makes sense to take out a policy if the parents wish to make use of certain expensive additional services and these are not covered by the standard care of the statutory health insurance funds. Adults who wish to correct their malocclusions also benefit: the supplementary dental insurance covers a large part of the costs of orthodontics.
In addition, such insurances are effective for many other cost traps around the denture. These include, for example, tooth and denture repairs, which include fillings, crowns, bridges, implants or even artificial dentures. Many of these dentally necessary items are not covered by statutory health insurance and have to be paid for by the patient himself. Not only orthodontic treatment can be expensive.
What should I look out for before taking out supplementary dental insurance?
However, in order for the supplementary dental insurance to actually cover the costs of orthodontics, certain points must be observed before taking out such a policy. For example, the policy must explicitly list an orthodontic treatment in the benefits catalogue. Only then will (partial) costs be covered. If the passage is missing, the patient remains sitting on his orthodontic costs. In addition, many insurers only pay if a certain period of time has elapsed between the conclusion of the contract and the start of treatment. Usually it takes several months. Some insurance companies only reimburse the costs of treatment if the need for orthodontic treatment was not known when the contract was concluded.
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