When it comes to dental bills, insurance can be a lifesaver. Dental insurance plans often save you from paying for preventative care and basic procedures. And if you have the right plan, they can cover your byte at-home aligners too.
But before you jump headlong into treatment, take a closer look at your policies, because every provider and plan is different and some won’t help you out with byte treatment. Delta Dental doesn’t often cover online clear aligners but byte will help you contact them to double-check. And this guide will give you the details you need to analyze your Delta insurance coverage.
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How Much Does byte Cost?
If traditional orthodontics take a bite out of your bank account, home aligners take a nibble. But that nibble is still significant. byte’s standard, all-day aligner treatment, for example, is $1,895. And if you choose their At-Night aligners (which you only need to wear for 10 hours a day), it’s $2,295. Those prices include all of your clear aligners, one set of aftercare retainers, and the HyperByte device (which empowers byte’s fast treatment times).
Do those prices look a little steep? You can spread them out over 29 months by enrolling in a bytepay financing plan. Since bytepay is an in-house payment plan, you don’t need a credit check to qualify. Here’s how they look:
- All-day treatment: $349 down payment, then $83 a month
- At-Night treatment: $449 down payments, then $99 a month
Add it all up and you’ll notice that these payment plans end up being more expensive than the sticker prices. That’s primarily because they include a subscription to byte’s Smile Protection Plan, which provides new aftercare retainers every six months (for five years) and will replace lost or stolen retainers twice. On their own, byte’s retainers cost $129, so it will save you money in the long run.
How Do Orthodontic Benefits Work?
Just because you have dental insurance, however, doesn’t mean your orthodontia is automatically covered. That’s where orthodontic benefits come in. The problem is, not every plan includes them. If you plan on getting orthodontic treatment at some point, you’ll want to enroll in a plan with orthodontic benefits when you choose one.
But as we’ve already mentioned, every insurance plan is different and their orthodontic benefits can vary too. They’ll typically cover traditional, in-office treatments like braces and Invisalign and some will cover remote treatment like byte too. Even so, orthodontic benefits aren’t all-inclusive. Most times, they’ll only cover a certain percentage of treatment. And they also often have restrictions like age limits, lifetime spending limits, and waiting periods.
Let’s say your treatment costs $3,000 and your orthodontic benefits cover 50%. If they have an age limit, it’ll probably only cover costs for patients up to age 19. And if they have a lifetime spending limit of $2,000, you’ll still have $1,000 in out-of-pocket expenses. That’s why it’s important to understand the particulars of your dental plan before you begin your treatment.
Does Delta Dental Cover Orthodontics?
It depends on your plan. DeltaCare USA and more comprehensive Delta PPO plans often cover braces, and some will cover Invisalign treatment too. These plans can vary based on your location, your employer, and the number of people who need coverage. And they can include age and spending limits too. Even so, coverage for braces is a safe bet and Invisalign is pretty common too. Just don’t expect to get your entire treatment cost covered because they’ll usually only cover up to 50%.
Does Delta Dental Cover byte?
Delta has explicitly stated that they won’t cover at-home clear aligner treatment, so you shouldn’t expect your plan to include byte treatment. But you should check with byte’s insurance team anyway. They’ll contact Delta for you to see if there’s a chance you could receive some type of coverage.
While researching Delta, you might see places on their website where they refer to at-home aligners as DIY treatment. We should note that there’s an important distinction between byte treatment and DIY orthodontics. byte follows the ADA’s guidelines for Teledentistry treatment and every case is created and monitored by a licensed dentist or orthodontist. In contrast, DIY orthodontia involves using crude tools like rubber bands to move teeth without any kind of professional oversight.
Will byte Help Me With Insurance?
They’ll do more than help you. They’ll take care of everything. At the outset, they’ll do a preliminary check to determine whether you might have coverage. Then, after you proceed with treatment, they’ll complete and submit your claim paperwork. And if your claim is denied, they’ll find out why and look for ways to correct it, whether that means contacting the provider directly or filing an appeal.
byte is the only at-home aligner company that goes this far to help you navigate your insurance processes. Some competitors, like Candid and SmileDirectClub, will do a preliminary check for you, but they won’t handle any paperwork or communications after that.
How Do I Use My Orthodontic Benefits?
In the cases where you have coverage for home aligners, you won’t often see that amount deducted directly from your bottom-line expenses. byte has partnerships with certain companies that bring them in-network and allow them to accept payments directly from the provider. But in other cases, you’ll need to pay up front (or jump on a payment plan), then file a claim for reimbursement after the fact.
Just contact your byte advisor. They will put you in touch with the insurance team, who will walk you through the whole process. They’ll even fill out your claim paperwork for you to ensure accuracy and timeliness. They’ll tell you where to sign on the dotted line, then you can sit back and wait for your reimbursement.
What If I’m Not Covered?
If you have Delta Dental, chances are you won’t have coverage for your home aligners. But don’t worry, there are still ways to manage your expenses. You could switch providers and/or plans, but you can only do that during open enrollment periods or if you have a qualifying life event. And if you have insurance through your employer, they might not offer plans from other providers. If so, you could enroll in an individual plan to supplement your employer-provided one. But that means you’ll be paying more in premiums, so you’ll have to make sure the savings are worth it.
Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are also options. These accounts allow you to use your pre-tax income to pay for medical and dental expenses, and byte accepts HSA/FSA payments, which can save some money. You’ll just need to make sure that your HSA or FSA considers at-home clear aligners a qualifying expense.
And if $1,895 or $2,295 is looking like too much for a lump-sum payment, you can break it up into more manageable chunks by enrolling in bytepay, byte’s in-house financing plan. These plans require a $349 or $449 down payment, followed by 29 monthly payments of $83 or $99. The best part is that there’s no credit check involved, so everyone qualifies.
Dental insurance can make byte’s industry-low treatment times and personalized customer service even more of a bargain, but coverage isn’t always available. Delta Dental is less likely to cover home aligner treatment than other providers, but byte will still handle all your insurance paperwork and communications. If your considering byte, ask them about insurance right off the bat and they’ll be with you every step of the way.