January 22, 2021

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The 7 Best Orthodontic Insurance Options of 2020

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What Is Orthodontic Insurance?

Your health insurance plan is separate from your dental coverage. If you’re looking for orthodontic coverage, you should learn about each of the treatment options—and which one may best suit your needs. These may include retainers, braces, or Invisalign®. The price will vary depending on what your dentist or orthodontist recommends.

What Does Orthodontic Insurance Typically Include?

According to eHealth, dental insurance plans with coverage for braces may include exams, orthodontic treatment, retainers, and post-treatment. Before signing up, you should watch for annual and lifetime caps which may reduce your benefits.

What Does Orthodontic Insurance Typically Exclude?

Every dental insurance plan is different. One of the biggest exclusions you may see is braces for adults. Children may lose dental insurance coverage if they are no longer in active treatment. Many plans will exclude Invisalign®. If you haven’t had dental insurance for more than 30 or 60 days, you may not be eligible for a new dental policy with coverage for braces.

What are the Expected Costs of Orthodontic Insurance?

The average cost of dental insurance—which may or may not include braces—depends on the type of plan and where you live. Discount dental plans will be the cheapest, with options starting below $10 per month. Although national data for individual plans are difficult to find, group plans range from $14.06 to $56.75 per month, according to the National Association of Dental Plans. 

Is Paying for Orthodontic Insurance Worth It?

It can be tricky to choose the right dental insurance plan for braces—especially when you’re over 18. If your current plan doesn’t offer coverage, you may consider a supplemental policy. But you need to read the plan summary before signing up. Watch for waiting periods, exclusions, and policy caps.

If you can’t afford the plan you want, you may have other options. You may have access to payment plans, a health savings account, or a flexible spending account at work. You may also get a discount through a local dental or orthodontic school.

How We Chose the Orthodontic Insurance Companies

It’s not easy to find a dental insurance plan that covers braces. We analyzed several factors to find the best options. We looked for established companies with a solid reputation. We also compared cost, coverage, nationwide availability, waiting periods, and policy caps.

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