extra insurance for orthodontic work?

[Joywith5]

We have dental coverage thru dh's employer, but it does not include orthodontic coverage. Has anyone purchased additional insurance in order to get ortho coverage? Any recommendations on such insurance?

TIA!

Joy

[gwen's mom]

I posted this exact question a few months ago and did not get any affirmative responses. I did some extensive research and didn't find any suplimental insurance that really made financial sense. For example I found companies that would pay up to $1000 or $1500 but you had to pay premiums for a year before they would pay a claim. When you calculated out the cost of the premiums it didn't pay to buy the insurance.

We are in the exact same situation except that both DD #1 and I need ortho work ($8800)....our university's medical pretax limit is 4K so I maxed that out and we will be starting DDs care in a few weeks. We get a 5% discount with the ortho if we pay upfront so that is what we are doing for DD's care. If there is enough left in the pretax account toward the end of the year I will begin my care and max out pretax again in '11 to cover the rest of the balance.

If you find any other solutions PLEASE let me know!