When are orthodontic services likely to significantly affect dental plan costs?

Orthodontic services are typically a significant factor in determining the costs of dental plans primarily when orthodontic coverage is explicitly included in the plan. When orthodontic coverage is part of the dental benefit package, it often leads to increased costs due to the specific services it encompasses, such as braces or orthodontic assessments, which are generally expensive and not as frequently utilized compared to basic dental procedures.

Including orthodontic coverage impacts both the premium rates and the overall claims made by members. Since orthodontic treatments often span several months or even years, the costs associated with these services contribute to a higher overall expense for the insurance provider. Therefore, plans that incorporate orthodontic coverage will likely see a noticeable increase in their costs due to the anticipated utilization of these specialized services by enrollees who may require them for themselves or their dependents.

In contrast, lowering deductibles, including restorative procedures, or presenting orthodontics as a separate policy may influence costs but do not have the same direct and significant impact as the inclusion of orthodontic coverage itself.