There's a variety of different braces, and coverage for each type may vary by plan.
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Breaking down braces coverage
Insurance coverage for braces can vary significantly between children and adults. Many dental insurance plans cover orthodontic work for children under 18, but adult coverage is often limited.
Some coverage may be available for adults if braces are considered medically necessary. This can include cases of severe misalignment, overbite or underbite, or jaw abnormalities that cause difficulty with chewing, speech issues, or chronic jaw pain.
Keep in mind that dental insurance is separate from health insurance, which typically doesn't cover dental treatments or braces.
Cost of braces with insurance
The cost of braces can vary depending on factors like the type of braces, complexity, your location, and level of insurance coverage.
On average, dental insurance may cover 50% of the total cost, with annual coverage limits. This means you'll pay for the remaining cost. Coverage varies by plan, so check your plan details for an estimate.
Other costs for treatment can include consultation fees, follow-up visits, X-rays, and retainers. Some orthodontists offer all-inclusive packages that account for these costs.
Metal braces
These are the most commonly covered orthodontic treatment because they're often the most affordable option.
They are included in many insurance plans, especially for children and teens. Coverage may come with limitations such as age restrictions, lifetime maximums, or a requirement for medical necessity.
Ceramic braces
Ceramic braces function similarly to metal braces but use tooth-colored or clear brackets for a less noticeable appearance.
While some insurance plans provide coverage, they are considered an upgrade, and patients often must pay the difference between ceramic and metal braces.
Clear aligners
Often known by brand names such as Invisalign® or Byte®, clear aligners have become a popular option because they're less noticeable.
Many insurance policies consider them as cosmetic treatments and may not provide coverage. Some plans offer partial coverage, particularly if the treatment is necessary for medical reasons. Age limits or coverage caps may apply.
Lingual braces
These vary from metal and ceramic braces in that they're placed on the back side of the teeth, making them virtually invisible from the front.
Due to their specialized design and typically higher cost than both metal and ceramic braces, insurance plans may not cover them or may only provide partial reimbursement.
Choosing an in-network orthodontist can help keep costs down. They have agreements with your insurance company for discounted rates. If you see an out-of-network orthodontist, it may result in limited coverage, higher out-of-pocket expenses, or even no coverage at all.
Review your plan's details to avoid unexpected billing surprises.
You'll also want to look for deductibles, copays, and waiting periods that may apply before insurance benefits kick in. These factors can affect the timing and overall cost of your treatment.
Costs vary by plan and individual, so consult your orthodontist and insurance plan.
Whether your insurance plan covers a percentage of orthodontic treatment or provides no coverage, there are ways to reduce these costs.
HSA and FSA
Health savings accounts (HSAs) and flexible spending accounts (FSAs) use pre-tax dollars to cover medical and dental expenses, including braces and related treatments.
Payment plans and financing
This may be offered by your orthodontist or through a third party specializing in dental and orthodontic expenses to help spread the cost over time.
Discount dental plans
These can provide reduced rates if you don't have full insurance coverage.
Our Knowledge Center features helpful articles with simple and reliable information for all your insurance questions, from how to submit a claim to how to find the right doctor.
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