Excellent Smiles

Will my orthodontic Lifetime Maximum start over with a new dental insurance provider?

Jennifer asked:


My daughter had a retainer and our insurance carrier, Cigna covered $1500 of it. Now she needs braces and my husband’s company is changing dental providers to Guardian. Will that Lifetime Maximum start over with the new dental provider?

Tags: Braces, Cigna, Dental Insurance, Insurance Provider, Maximum

This entry was posted on Wednesday, November 25th, 2009 at 3:47 pm and is filed under Dental. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

One Response to “Will my orthodontic Lifetime Maximum start over with a new dental insurance provider?”

1. frdrtd says:

   November 28, 2009 at 8:54 pm

   Not necessarily. If the employer had the previous insurance company forward the treatment records to the new insurance company, they may not provide a new lifetime maximum. If the employer has changed, then yes, you will have a new lifetime maximum.

   Your best course of action will be to have the orthodontist office request a pre-treatment authorazation from the new insurance company.