|Company||Plans (#)||Cover limit||Waiting time||Deductible|
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Ideal for a low deductible
Ideal for adults
Ideal for no waiting period
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Ideal for military families
Guide to Choosing the Best Dental Insurance for Braces
Should you buy dental insurance for braces?
Depending on your situation, it may or may not make sense to purchase dental insurance for braces. Although braces are often included in dental insurance plans for children, they may not be covered for adults. In many cases, dental insurance that covers orthodontic treatment can help reduce the overall cost of braces.
Comparison of dental insurance plans for braces
There are a few factors you should consider when comparing dental insurance plans for braces. These include:
- Orthodontic cover: You should make sure your dental insurance covers braces, especially if you are an adult.
- Cost: Look for dental insurance plans with low monthly premiums and deductibles.
- Waiting times: Depending on when you need braces, you should consider plans with little or no waiting periods.
- Availablity: Be sure to choose an insurance company that is available in your state and has an extensive network of providers.
Using dental insurance for braces
If you’re considering getting dental insurance to cover some of the cost of braces, it’s a good idea to do so well in advance of when you plan to get them, as many plans have 12-hour waiting periods. at 24 months. You should also review your plan coverage and speak with your orthodontist to make sure orthodontics is covered by your plan.
Although children’s dental plans often include orthodontic coverage, most adult dental plans do not. You may need to purchase additional coverage or add a rider to qualify for orthodontic coverage.
Frequently Asked Questions
What is dental insurance for braces?
Braces dental insurance, also called orthodontic insurance, is specific to orthodontic treatment. This includes braces, retainers, and other procedures designed to fix the alignment of your teeth and jawbone.
Orthodontic insurance is generally not a stand-alone product. Instead, orthodontics may be included in dental insurance or covered by a dental discount plan. Many dental insurance policies do not include coverage for orthodontics, so you may need an additional policy, discount plan, or endorsement to get help paying for orthodontic treatment. .
Costs may vary depending on the type of braces or other treatments. For example, traditional metal bands may be less expensive than modern removable Invisaligns. Read carefully what is covered and what may cost more when choosing orthodontic insurance if you have a specific treatment in mind.
What does dental insurance for braces usually include?
Orthodontic insurance usually includes discounts and some level of coverage for treatments including exams, imaging, braces, retainers, etc. Just because you have orthodontic insurance doesn’t mean your braces will be free.
When orthodontics is included in a dental insurance policy, you will likely experience waiting periods before benefits begin. Once they do, you’ll likely have to meet a minimum deductible before the insurance starts paying out. Depending on your plan, you may still owe 50% or more of the cost of treatment.
Discount plans can help you save money on braces and other treatments. Although they don’t pay for part of the treatment like you do with regular insurance, they can reduce the cost and usually charge less per month than traditional dental insurance.
What does dental insurance for braces generally exclude?
When orthodontics is included in dental plans, strict limits generally apply. Orthodontic insurance usually has lifetime limits that are well below the total cost of coverage. Even with a quality dental policy in place that includes coverage for orthodontics, you may still have to shell out thousands of dollars for braces and similar treatments.
Some policies have individual limits to maintain coverage at a certain level. If you have a policy lifetime limit, you could run out of coverage when treating your first child before a second even starts wearing braces.
That’s why discount plans can be a great way to save on braces on top of what you get from your dental insurance. Some savvy shoppers choose a discount plan in addition to their usual dental insurance. This can offer discounts on braces at a low annual cost without changing dental plans.
What are the expected dental insurance costs for braces?
Orthodontic insurance can vary widely in cost, depending on where you get it and the type of coverage you choose.
Comprehensive dental coverage often costs between $20 and $40 per month for individuals or up to $200 per month for a family when purchased on your own. It’s often cheaper when you’re part of an employer’s group plan.
Discount plans cost around $10 to $20 per month, but don’t include any insurance coverage. They simply allow you to save money on the rates offered by your dentist or orthodontist.
Is paying for dental insurance for braces worth it?
According to Oral-B, the cost of braces can vary depending on the type of treatment and length of treatment required:
- Metal suspenders (traditional pins): $3,000 to $7,000
- Ceramic braces: $4,000 to $8,000
- Lingual braces: $8,000 to $10,000
- Invisalign: $4,000 to $7,400
Even without orthodontic coverage, which can be costly on its own, there are other ways to save on orthodontic costs. These include using a health savings account or flexible spending account to save on taxes or going to a local dental school to get treatment from an orthodontist in training.
It is ultimately up to you to decide if the insurance is worth it. You can meet with a local orthodontist to get an insurance-free cost estimate to decide if you can afford treatment out of pocket or if you need to look for other ways to help pay.
We considered 11 insurers when compiling our list of the best. To earn a spot, insurers must offer a certain level of orthodontic coverage with competitive pricing and coverage levels.
Key factors included waiting periods before coverage begins, deductibles for orthodontic treatments, and annual and lifetime coverage limits. Some non-traditional options included discount plans, orthodontic endorsements, and a comparison website that lets you shop for multiple dental and orthodontic insurance companies at once.
Most important was easy access to orthodontic coverage. The best orthodontic insurance doesn’t require you to jump through hoops to get started with braces or other treatments. With quality orthodontic insurance, it’s easy to get help paying for braces and other orthodontic needs.