I have dental coverage but no adult orthodontic coverage. I need braces and am hoping that my husband's employer will add this for us. Has anyone ever done this? If so, did you have to pay anything for the additional coverage? Was there a waiting period? Any other info is appreciated.Thanks!
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The employer can't add it just for you, he's got to pay for it for EVERYONE. Also, even WITH orthodontic coverage, typically, the COVERAGE is, 50%, up to $1500 or $2,000. For my family, that left us with $3,000 out of pocket to pay - and the orthodontist wanted the 50% part - from us - up front. So no, there's usually NOT a waiting period with group insurance. But you're NOT going to get "free" braces out of it, either.
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