What are the limits on TRICARE dental coverage?
Quick Answer
TDP has annual maximums around $1,500-$1,800 for most services, separate orthodontic limits, and waiting periods for major services.
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Key Takeaways
- Annual maximums around $1,500-$1,800
- Orthodontic lifetime limit separate
- Waiting periods for major services
- Preventive fully covered
Detailed Answer
Understanding TDP limits helps you plan dental care expenses.
Annual Maximums (2024)
- Basic and major services: $1,500-$1,800
- Does not include preventive
- Resets each plan year
- Per person, not family
Orthodontic Limits
- Lifetime maximum: $1,750-$1,800
- Separate from annual maximum
- Per person
- For dependents under 23
Waiting Periods
- Preventive: No waiting
- Basic services: None or short
- Major services: 12 months
- Orthodontics: 12 months
Excluded Services
- Cosmetic procedures
- Experimental treatments
- Pre-existing condition limits
- Some implant-related services
Cost Shares
- Preventive: 0% (you pay nothing)
- Basic: 20% coinsurance
- Major: 40-50% coinsurance
- Orthodontics: 50% coinsurance
Related Questions
What is the TRICARE Dental Program (TDP)?
TDP is a separate dental insurance program for military families managed by United Concordia. It covers preventive care, basic services, and major procedures.
Does TRICARE dental cover braces and orthodontics?
TDP covers orthodontics for dependents under 23 with a lifetime maximum of about $1,750-$1,800 and 50% cost share after waiting period.
What do most military families add to their TRICARE coverage?
Supplemental health insurance is the most common addition — it covers dental, vision, and out-of-pocket costs that TRICARE leaves uncovered. Life insurance and a legal will are also highly recommended.
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