There is no doubt about it—dental work is expensive. This may be especially true for orthodontic work, which isn't covered by most dental insurance plans for adults. There are some dental insurance plans that make it easier to pay for braces.
But you need to know what to watch for—including policy exclusions and caps. With so much to consider, we put together a list of the best orthodontic options to consider, so you can flash those pearly whites without shelling out an arm and leg. Delta Dental insurance is the country's largest dental insurance provider.
The company covers over 80 million people nationwide and its network includes , dentists. Delta Dental began in Also, each region has a Better Business Bureau page, making ratings vary by location. Delta Dental offers four options for orthodontic coverage:. Delta Dental PPO is a mid-range option, with lower out-of-pocket costs for in-network providers. This plan has set co-payments, no annual deductibles, and no annual maximums. Annual and lifetime caps vary by policy, according to a representative.
The total cost for braces depends on the exact treatment you need. You will need a pre-treatment estimate from your dentist or orthodontist to get started. The coverage varies by plan and only applies when you are undergoing active treatment. Delta Dental earns the top spot because the company has a large network of providers. According to a representative, pricing varies depending on the plan and where you live.
In Massachusetts we were quoted plans with a great variety of price options. Humana Insurance is one of the largest dental insurance providers in the United States. The Louisville-based company, in business since , began offering health insurance plans in Humana offers dental insurance in all 48 states and a network of over , dentists.
Humana offers a variety of individual dental plans, depending on your state, including these:. We like Humana as our second best because of their plan options and no waiting periods:. According to a representative, these plans are like a discount dental plan for orthodontic work, which means there are no annual or lifetime limits. A quote for a California woman under the age of 50 offered plans with very affordable monthly rates.
Aetna is a national insurance company with 50 years of experience in dental insurance. The company has about 13 million members and you have access to more than , dental providers nationwide. They have an A Excellent rating with A. This is a dental discount plan without waiting periods and there are no annual or lifetime limits, according to a representative. They provide dental, vision, life, and disability insurance for employer benefit plans and also sell to individuals.
Ameritas Life Insurance Corp underwrites the policies. If you have orthodontic benefits, however, they often cover Invisalign.
Just be sure to check for age limits and lifetime spending maximums. Tip: For more information, check out our full guide dedicated to covering the ins and outs of dental insurance coverage for Invisalign. Braces coverage is usually the same as Invisalign. Orthodontic benefits will cover braces, but there might be age and spending restrictions. Without insurance, braces are around the same price as Invisalign, and sometimes slightly less expensive.
Of course, your bill might fall outside that range for minor or complicated conditions. Tip: Learn more about how dental benefits work, whether they are likely to cover braces, and how to claim your benefits by checking out our comprehensive guide to insurance coverage for braces. Some insurance providers have formed partnerships that bring home aligner companies in-network:.
Some other insurance providers refuse to cover at-home treatment from any remote aligner company. However, this situation is evolving quickly, and more providers are starting to include at-home aligners in their orthodontic benefits. Tip: Our 1-rated clear aligner service, Byte , is the only provider that does the legwork for you when it comes to getting coverage for treatment. Technically, every insurance provider has at least one plan option with orthodontic benefits.
What those benefits include can vary depending on the provider and plan. Different providers have different policies, networks, and restrictions. Just click the button below and enter your zip code and date of birth to see the best orthodontic insurance plans near you.
If you have a basic dental insurance plan and you are an adult, your insurance most likely doesn't cover braces. Higher-level premium plans may offer some orthodontic coverage.
If you're looking for orthodontic insurance , you'll need to look at the plans with more comprehensive coverage, or consider getting a supplemental orthodontics plan to complement your health or dental insurance. You can also look into getting a dental savings, or discount plan. These plans offer discounted dental and orthodontic care for a yearly membership fee. You can learn about more ways to finance your orthodontic treatment or other dental care in our dental financing article.
If you need dental insurance with orthodontic coverage for adults, there's some good news. Comprehensive dental insurance plans may cover orthodontic work for adults if it is for health reasons. Insurance plans won't cover braces if it's purely cosmetic. If your dental insurance doesn't cover braces, consider purchasing a supplementary orthodontic plan, or enrolling in a dental discount plan.
At-home clear aligners are much cheaper, and specialty braces like lingual braces are more expensive. American Association of Orthodontists: Press Room. Consulted 20th March Contributors: Natalie Asmussen.
Updated: 20 October Find dental insurance covering braces. Insurance plans for braces. Get braces insurance now. Table of contents 1 Dental insurance for braces 1. Cosmetic braces may not be covered. Doug explains how orthodontic insurance works, in comparison to your regular dental insurance.
What's included in adult braces insurance? Disconut plans may be the way to go. You may also want supplemental insurance. Dental schools can lower costs. Straighten your teeth with insurance. Get cheap orthodontic insurance now.
Natalie Asmussen. She continues to follow her passion for connecting people with the healthcare they need by writing informative content about dentistry and medicine.
Sign up to receive the latest news and offers from Dentaly. Thank you,. You will receive a confirmation email. Orthodontic services include things like braces and other specialty dental treatments to help straighten teeth. Not all dental insurance plans cover braces. Orthodontic services would include braces and some other specialty dental care and treatments. Are you happy with your smile? If you have an overbite, under bite, overlapping, or generally crowded teeth, an orthodontist can come up with a treatment plan to help straighten your teeth.
This plan may include braces, as well as other types of dental appliances, such as space maintainers and retainers. You can get dental coverage in one of two ways. If you have an employer that offers dental insurance you can choose a dental plan as part of your benefits. If not, you can buy one on your own through a health insurance carrier that sells individual and family dental insurance plans, or through the Health Insurance Marketplace.
With any type of plan, be sure to check if orthodontic coverage is included.
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