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The answer is simple, there's no way for us to know. You need to look at the rules for your plan. You may need to speak with the plan administrator. Generally, I believe the services need to be provided during the coverage period of the plan. Since you're looking at orthodontic work, there will be ongoing adjustments. So, my inclination would be to assume that the expenses will be covered, but never assume when it comes to insurance or taxes. Ask the questions and ask again until you are satisfied you have the official answer.

Speak of the devil, my benefits package just arrived in my office. Looking at the booklet, it says claim reimbursement is based on the date you receive health care service, not the date you pay the invoice or the date you are billed. Therefore the $500 uninsured part of insurance claim is shot.

The question becomes ongoing adjustments. The total orthodontic expense covers initial installation of the braces and ongoing adjustments. Complicating the matter is that my daughter only had the upper teeth done last month. The lower teeth will get braces next year. I'm charged one fee for everything but services are on an ongoing basis. I guess I'll have to work with the orthodontist to determine what portion of my total bill is considered 2006 expenses.

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