When it comes to braces, there are annual and lifetime caps. The lifetime cap for braces is $1,750, which means that United Concordia will not pay for more than $1,750 per dependent. This covers the actual braces, check-ups, a retainer, etc. Insurance does not, however, cover things like broken brackets or a lost retainer. Given the $1,750 lifetime cap, most people opt for traditional braces as opposed to more expensive options like Invisalign. It is important to note that before braces are placed, the orthodontist is responsible for submitting a plan and estimated cost to the insurance company.
United Concordia will pay for 25% of the initial braces appointment; the remaining 75% of coverage is then spread out among each of the remaining appointments.
While premiums and copays depend on the particular Tricare your family subscribes to regarding general health and wellness, all families interested in United Concordia coverage are required to pay a monthly premium. For those new to the military healthcare system, it is important to sign up for dental insurance as soon as you are entered into DEERS. If for whatever reason a monthly premium is not paid, your family’s coverage will be revoked; you cannot re-enroll for a year.
Depending on how long you have been with the military healthcare system, you might recall that during certain periods — depending on the government contract — braces were free for dependents who were stationed outside of the continental US. Unfortunately, that is no longer the policy. All dependents, regardless of their sponsor’s duty station are subject to covering 50% of their orthodontics.
If you are in need of locating a dentist or enrolling in United Concordia, here’s more information. As always, confirm with insurance before scheduling a procedure or restorative service.
This article has been modified to meet updated editorial standards at Military Spouse, which may include the augmentation of material that reflects the expertise and experiences of our staff.
