Are you searching for a trusted Erie, Colorado orthodontist who accepts Assurant Dental PPO insurance for orthodontic treatments? Look no further than Hardy Pediatric Dentistry & Orthodontics. Our team of specialists understands that navigating dental insurance for orthodontic procedures can be confusing, which is why we’ve created this guide to help you understand Assurant Dental coverage for braces, Invisalign, retainers, and other orthodontic services.
As a leading provider of pediatric and adult orthodontic services in Erie, CO, we work with many insurance providers, including Assurant Dental, to help you maximize your benefits while receiving top-quality orthodontic care. At Hardy Pediatric Dentistry & Orthodontics, we believe everyone deserves a healthy, beautiful smile regardless of their insurance situation.
Understanding Assurant Dental PPO Plans for Orthodontics
Assurant Dental offers several PPO plans that include orthodontic coverage, with the Level 3 Plus plan providing the most comprehensive orthodontic benefits. Let’s break down what you need to know about these plans:
Assurant Dental Level 3 Plus Plan
The Assurant Dental Level 3 Plus plan stands out as their premier orthodontic coverage option, providing substantial benefits for patients seeking orthodontic treatment. This plan covers up to $1,500 in annual dental expenses, making it an excellent choice for families planning orthodontic treatment for children or adults considering options like Invisalign or traditional braces.
The Plus plan offers the most comprehensive coverage among Assurant’s insurance policies at competitive, accessible rates. For orthodontic procedures specifically, Assurant typically covers approximately 50% of treatment costs, offering significant savings on what can otherwise be a considerable investment in your oral health.
Assurant Dental Coverage Options
Both Assurant Health and Assurant Employee Benefits divisions provide dental insurance options that can include orthodontic coverage. Whether you’re an individual seeking coverage for your family or an employer looking to provide dental benefits to employees, Assurant offers a range of plans to suit various needs and budgets.
Each employer-paid plan features different benefits and can be customized to meet specific requirements. For instance, prepaid dental plans allow employees to visit in-network providers with set copayments, eliminating waiting periods and annual deductibles – particularly beneficial when considering orthodontic treatment that might span multiple years.
Orthodontic Services Covered by Assurant Dental
Understanding exactly what orthodontic services Assurant Dental covers can help you plan your treatment more effectively. Here’s what you need to know about coverage for common orthodontic treatments:
Braces Coverage with Assurant Dental
Assurant dental plans typically cover approximately 50% of traditional braces treatment costs. With an individual annual deductible of $50 and a family deductible of $100, many patients find Assurant plans make orthodontic treatment more affordable.
Like most dental insurance providers, Assurant Dental implements lifetime maximums for orthodontic coverage. The lifetime maximum benefit for orthodontic services is $1,000 per individual, which means this is the maximum amount Assurant will pay toward orthodontic treatment over a patient’s lifetime, regardless of how long they maintain coverage.
Invisalign and Clear Aligners Coverage
For patients interested in less visible orthodontic options, Assurant Dental typically covers Invisalign and clear aligners similarly to traditional braces. Insurance policies generally cover around 50% of the cost of these services, subject to the same deductibles ($50 individual/$100 family) and lifetime maximum ($1,000 per person) as other orthodontic treatments.
At Hardy Pediatric Dentistry & Orthodontics, Dr. T.C. Hardy is certified in providing Invisalign treatments for both teens and adults, making us an ideal choice for patients with Assurant Dental seeking this modern alternative to traditional braces.
Lingual Braces and Specialty Orthodontics Coverage
Assurant Dental extends coverage to specialty orthodontic options like lingual braces (braces placed behind the teeth) at approximately 50% of the cost. These less visible options provide excellent alternatives for patients concerned about the aesthetic impact of traditional braces while still delivering effective orthodontic correction.
The coverage follows the same deductible structure as other orthodontic services, with a $50 individual deductible and $100 family deductible. The lifetime maximum benefit of $1,000 per person applies to these specialty orthodontic services as well.
Additional Dental Services Covered by Assurant Dental PPO
Beyond orthodontic treatment, Assurant Dental PPO plans cover a variety of essential dental services that complement your orthodontic care:
Preventive Services and X-Rays Coverage
Assurant dental coverage plans typically provide between $75-$100 per visit for preventive dental services, including dental x-rays. Most plans cover two preventive visits per person during each policy year, provided these visits are separated by at least 150 days.
These preventive services are crucial for orthodontic patients, as they help monitor oral health during treatment and identify any potential issues that might affect the outcome of orthodontic care.
Retainers and Post-Treatment Appliances
Retainers are an essential part of preserving your orthodontic treatment results, and Assurant Dental may cover a portion of retainer costs depending on your specific plan. Coverage details vary by plan, but typically follow the same coverage structure as other orthodontic appliances – approximately 50% coverage subject to your annual deductible and lifetime maximum.
At Hardy Pediatric Dentistry & Orthodontics, we’ll verify your specific coverage for retainers and help you understand what to expect regarding out-of-pocket costs for these crucial post-treatment appliances.
| Service | Assurant Dental Coverage | Deductible | Lifetime Maximum |
| Traditional Braces | ~50% | $50 Individual / $100 Family | $1,000 per person |
| Invisalign/Clear Aligners | ~50% | $50 Individual / $100 Family | $1,000 per person |
| Lingual Braces | ~50% | $50 Individual / $100 Family | $1,000 per person |
| Retainers | Varies by plan | $50 Individual / $100 Family | Part of orthodontic maximum |
| Preventive Services/X-Rays | $75-$100 per visit | Varies by plan | Not applicable |
Why Choose Hardy Pediatric Dentistry & Orthodontics for Your Assurant Dental PPO Needs
At Hardy Pediatric Dentistry & Orthodontics, we’re proud to accept Assurant Dental insurance and help patients maximize their orthodontic benefits. Here’s why we’re the ideal provider for patients with Assurant Dental coverage:
Expert Orthodontic Care with Dr. T.C. Hardy
Dr. T.C. Hardy is a board-certified orthodontist who has received numerous accolades for his exceptional work, including The Everett Shapiro Award in Orthodontics and the Dr. Harold Berk Endowed Prize Fund for Excellence in Research. With his advanced training and commitment to continuing education, Dr. Hardy stays at the forefront of orthodontic innovation.
Our practice offers a comprehensive range of orthodontic options, including traditional metal braces, clear braces, InBrace (behind-the-teeth braces), and Invisalign/Invisalign Teen clear aligners. This variety ensures that regardless of your Assurant coverage details, we can find an orthodontic solution that aligns with your budget, lifestyle, and treatment goals.
Advanced Technology for Better Orthodontic Outcomes
Our office utilizes cutting-edge technology to enhance your orthodontic experience and treatment results. From the iTero digital scanner that creates precise 3D models without uncomfortable impressions to digital X-rays that reduce radiation exposure by up to 90%, we invest in technology that improves care quality while maximizing insurance benefits.
We also offer innovative options like KLOwen customized braces that can reduce treatment time and office visits, as well as InBrace, a truly invisible orthodontic solution that works behind the teeth – options that may be partially covered by your Assurant Dental plan.
Insurance Expertise and Flexible Payment Options
Our knowledgeable staff understands the complexities of dental insurance and will help you navigate your Assurant Dental coverage. We’ll verify your benefits before treatment begins and provide a clear breakdown of what your insurance will cover and any anticipated out-of-pocket expenses.
For expenses not covered by insurance, we offer affordable payment plans to make orthodontic treatment accessible to everyone. Even if you don’t have insurance, our in-house membership plans can provide significant savings on orthodontic and dental services.
Frequently Asked Questions About Assurant Dental PPO Orthodontic Coverage
How do I know if my Assurant Dental plan covers orthodontic treatment?
Assurant Dental offers various plans with different levels of orthodontic coverage. The Level 3 Plus plan provides the most comprehensive orthodontic benefits, typically covering about 50% of treatment costs up to a lifetime maximum of $1,000 per person. To determine your specific coverage, we recommend contacting Assurant directly using the member services number on your insurance card or bringing your insurance information to your consultation at Hardy Pediatric Dentistry & Orthodontics. Our staff can help verify your benefits and explain how they apply to your recommended treatment plan.
Does Assurant Dental cover orthodontic treatment for adults, or only for children?
Unlike some dental insurance plans that only cover orthodontic treatment for dependents under 18, many Assurant Dental plans provide orthodontic benefits for both children and adults. Coverage percentages and lifetime maximums typically remain the same regardless of the patient’s age. However, specific details can vary by plan, so it’s important to verify your coverage. At Hardy Pediatric Dentistry & Orthodontics, we treat patients of all ages and can help determine how your Assurant benefits apply to your specific situation.
If I’ve already started orthodontic treatment elsewhere, will Assurant Dental still provide coverage if I transfer to Hardy Pediatric Dentistry & Orthodontics?
In many cases, Assurant Dental will continue to provide coverage if you transfer orthodontic treatment to our practice. However, the remaining benefit amount may be prorated based on the treatment already received. Our insurance coordinators will work with you and Assurant to determine the remaining benefits available and help make the transition as smooth as possible. We recommend contacting us before transferring care so we can help you understand any potential financial implications.
How does Assurant Dental handle orthodontic claims for treatments like Invisalign that are paid over time?
For orthodontic treatments like Invisalign that are typically paid over the course of treatment (often 18-24 months), Assurant Dental usually distributes the benefit amount in installments rather than providing the full benefit upfront. Our office will work with you to coordinate these insurance payments with your treatment schedule and payment plan. This approach ensures you receive your full eligible benefits throughout your treatment period rather than exhausting them at the beginning.
If my treatment cost exceeds the Assurant Dental lifetime maximum, what options do I have?
When orthodontic treatment costs exceed your $1,000 lifetime maximum benefit from Assurant Dental, you have several options at Hardy Pediatric Dentistry & Orthodontics. We offer flexible payment plans that allow you to spread the remaining cost over the duration of your treatment, typically with no interest. We also accept FSA and HSA funds, which can be used tax-free for qualifying dental expenses. For patients without insurance or those with limited coverage, our in-house membership plans provide discounts on various treatments. During your consultation, we’ll provide a detailed breakdown of costs and help you explore all available options to make your orthodontic treatment affordable.
Get Started with Your Assurant Dental Orthodontic Treatment Today
Don’t let insurance confusion delay your journey to a straighter, healthier smile. At Hardy Pediatric Dentistry & Orthodontics, we’re experienced in working with Assurant Dental PPO plans and can help you understand and maximize your orthodontic benefits.
Our team of specialists, led by board-certified orthodontist Dr. T.C. Hardy, provides personalized care using the latest orthodontic techniques and technologies. From traditional braces to Invisalign and InBrace, we offer a range of treatment options to suit your needs, preferences, and insurance coverage.
- Comprehensive orthodontic consultations
- Digital scanning and treatment planning
- Multiple orthodontic treatment options
- Insurance verification and benefit maximization
- Flexible payment plans for out-of-pocket expenses
- Convenient location in Erie, CO
DISCLAIMER: This information is subject to change on behalf of the insurance company. We are providing this as an informal guide to help you determine which services at our office are covered by your insurance. For more detailed information, please see the insurance company’s website or call the customer service or member services number listed on most insurance ID cards. Updated as of 3/27/2023. The above logo & trademarks are property of Assurant Dental.
📍 Visit Us: 3200 Village Vista Dr., Suite 110, Erie, CO 80516
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