Utilizing a lifetime orthodontic benefit as a dependent generally does not impact the primary insurance policyholder directly in terms of the benefits remaining available to them. However, it can affect the overall use of the insurance plan’s benefits, depending on the specifics of the policy.
Lifetime orthodontic benefits are typically capped at a specific amount per individual under the plan. Therefore, when a dependent uses these benefits, it reduces the remaining benefits available for future orthodontic claims for that dependent, but it does not reduce benefits available for the policyholder or other dependents pertaining to other kinds of coverage.
Additionally, all claims and correspondences regarding the use of benefits under the insurance, including orthodontic claims made by a dependent, are generally directed to the primary insurance holder, which may affect their administrative management of the policy. Therefore, while the financial cap on orthodontic benefits is per individual and not the entire plan, the primary insurance holder should be aware of these limits to avoid unexpected expenses.
