FAQ

What is a good dental insurance that covers braces

dental insurance for braces can help offset expensive orthodontic work. Not all dental insurance plans offer orthodontia coverage, but orthodontia insurance can sometimes be added to an existing dental insurance plan as supplemental orthodontia insurance.

We urge readers not to be put off by the potentially high prices of braces, as this treatment can be essential when it comes to good oral health, and even overall health.

Reading: What is a good dental insurance that covers braces

That’s why we’ve taken the guesswork out of finding orthodontic dental insurance by reviewing the best braces insurance plans available and providing you with the resources you need to sign up.

Keep reading to find the best insurance for braces and orthodontic needs!

dental insurance for orthodontics

Although approximately 75% of people may need orthodontic treatment, braces are very expensive and out of reach for many. Paying for braces or other dental work without insurance can be very difficult. That’s why dental insurance plans for braces could help you find cheap braces.

Ready to get all your orthodontic insurance questions answered? let’s dive!

Does dental insurance cover braces?

Standard dental insurance does not typically offer coverage for adult braces and other orthodontia coverage for adults over the age of 18 because for adults it is often considered a cosmetic procedure. That said, it’s not entirely out of the question that braces may be covered by your dental insurance, so be sure to talk to your policy provider if you’re unsure.

If it turns out that your dental insurance policy covers braces, you’ll want to know what the annual or lifetime maximum is. each policy works differently. while some offer to pay a percentage of your dentist’s service fees, others pay a flat fee.

Although many dental plans don’t cover braces for adults, there are some that do provide braces insurance for adults. Another option is to purchase supplemental orthodontic coverage to combine with your dental insurance plan.

If you can’t find a supplemental plan that works for you, you may want to consider a dental savings/discount plan. These are like insurance plans in that you can save money on treatment. however, with a dental discount plan, you pay an annual fee, and in return, you get a discount on the treatment you need.

There are no annual maximums or lifetime limits. And if you are looking for a dental insurance for orthodontics without a deficiency, this may be a good option for you. as you will see below, many insurance companies also offer these plans.

complementary orthodontic insurance

If you can’t find a full coverage dental insurance plan that also includes orthodontia coverage, you can get orthodontic dental insurance to add to your dental insurance plan. Orthodontic insurance is supplemental to dental insurance and generally cannot be purchased on its own; It must be added to an existing dental insurance plan you have or purchased together if you are purchasing a dental insurance plan.

in the video below dr. doug explains the difference between dental insurance, orthodontic insurance and more!

what does orthodontic insurance cover?

Orthodontic insurance should cover most services associated with repairing misalignment, crooked teeth, gaps, and crowding. this could include braces, helmets, or retainers, although clear aligners at home are less likely to be covered.

If you get supplemental dental insurance for braces, it must cover the following:

  • alignment of teeth
  • close gaps (diastema)
  • correction of bite irregularities (malocclusion)
  • correct the alignment of teeth and lips
  • Your orthodontic treatment may also require additional services as part of your teeth straightening treatment, and the good news is that orthodontic coverage often covers these as well:

    • initial evaluation, including x-rays and treatment planning
    • tooth extraction
    • treatment visits
    • braces
    • If you want to get clear aligners instead of traditional braces, you may be able to find an insurance plan that partially covers the cost. Read more about insurance for invisalign.

      what does orthodontic dental insurance not cover?

      dental and orthodontic insurance coverage has many limits, such as lifetime limits, annual maximums, and waiting periods. You may still pay a lot for braces, even if you have orthodontia insurance.

      Lifetime limits can be a problem especially if you have children because you will only be covered for one round of braces.

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      This is one of the situations where discount dental plans may be a better option. Because there are no lifetime limits, you’ll always get a discount applied to your treatment.

      Also, if you have federally funded insurance like Medicaid, it probably won’t cover invisalign invisible braces, but you can read more about that here.

      how much do braces cost with insurance?

      Braces with insurance cost an average of $3,407 out of pocket according to this costhelper report. however, this price may vary; you may pay less if you only need minor adjustments. Or, you may have to pay more if you need to do a lot of work.

      While more than $3,000 may seem like a lot, it’s still a little less than you could afford, considering that orthodontic treatment can cost up to $13,000 for the most expensive types.

      Fortunately, there are ways to further reduce the price of braces with insurance, which we’ll cover later.

      orthodontic insurance for children

      Many dental insurance plans will cover orthodontia insurance for children under the age of 18 if braces are deemed medically necessary. be sure to read the fine print on your plan and talk to your provider. Keep in mind that straightening teeth to improve the aesthetics of a child’s smile probably won’t be covered by your dental insurance plan.

      best dental insurance for orthodontics

      The best orthodontia insurance will depend on the state you live in, your age, your budget, the number of dependents you have, and many other factors.

      so what dental insurance covers braces? Let’s take a look at some of the top dental insurance providers available across the country, so you can find the best orthodontic insurance for you.

      dental delta

      delta dental is one of the biggest names in dental insurance. They offer a wide range of plans, from basic orthodontic insurance with delta dental to comprehensive coverage if you’re willing to pay more. They also offer dental insurance that covers braces for adults.

      Delta Dental braces coverage includes two main plans: your DeltaCare USA Savings Plan or your Delta Dental PPO. the savings plan is not actually an insurance plan, so there are no deductibles, maximums, or waiting periods.

      You pay an annual fee and get discounted dental services in return. Many people prefer savings plans (also called discount plans) to traditional insurance.

      cigna

      cigna is another large national dental insurer with more than 93,000 dentists in its network. They offer three primary dental plans, Cigna Dental 1500, Cigna Dental 1000, and Cigna Delta Preventive.

      However, the 1500 is the only plan that offers orthodontia coverage and will cover up to $1,000. there’s also a lifetime limit, a separate deductible and coinsurance, and a 12-month waiting period. this plan costs only $35 per month per person.

      This plan also allows you to see any dentist you want, but you’ll save even more if you choose a dentist in your network.

      aetna

      Most aetna dental insurance plans do not include coverage for braces. however, aetna, like delta dental, offers a dental savings plan that may be a good option if you can’t find an insurance plan that fits your budget and offers the coverage you need.

      One plan that offers orthodontia coverage is Aetna Vital Dental Plus Rx. this is a savings plan, not a standard insurance plan, and it costs about $150 per year. With this plan, you can save up to 39% on braces.

      aflac

      aflac orthodontia insurance includes dental insurance as a supplement to health insurance, and orthodontia coverage is provided by a rider. this can help keep prices lower than they would be with standard dental insurance.

      Supplemental orthodontic coverage cannot be purchased separately; instead, it works with your health insurance. To get an Aflac orthodontic insurance quote, you will most likely have to call them directly, as their quotes are not available online.

      guardian

      guardian offers an advantage gold plan that has a large network of dentists and comprehensive benefits, including orthodontics and braces.

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      For braces, whether you choose to go in-network or out-of-network, you’ll get 50% coverage and, after paying the deductible, you’ll get a maximum benefit of $500 per year with a maximum of $1,000. This plan has a 12-month grace period.

      humans

      humana is another insurance provider that doesn’t offer many dental insurance plans with orthodontia coverage, but does offer discount dental plans with orthodontia discounts.

      Your loyalty plus ppo, for example, says that a “discount may be available” for orthodontic care. the same goes for your full dental ppo as well. If you join their dental savings plan, you can get up to 20% off orthodontia care.

      how to get orthodontic insurance

      Obtaining orthodontic insurance for adults or children can seem like a daunting prospect at first, with so many options to choose from. That’s why dentalinsurance.com has created an easy way to search for plans and enroll on the spot if you find one that works for you.

      all you have to do is enter your zip code and date of birth, and you’ll see the best plans in your area. then you can compare the coverage and costs of orthodontic care. they also offer helpful videos with all the knowledge you need to choose a plan. Plus, you can call them at 888-626-0057 and speak to a helpful licensed agent if you need guidance along the way.

      How do I choose the best orthodontic insurance for me?

      There’s a lot to consider when it comes to choosing the best orthodontic insurance for you. Some things you’ll want to keep in mind when shopping for orthodontic insurance plans are:

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