What Dental Insurance Covers Braces?

When it comes to orthodontic and orthodontic appliances, it's important to understand what your dental insurance covers and what different coverages exist for both children and adults. Many dental insurance plans include coverage for orthodontic appliances, but there may be additional costs associated with your treatment. Knowing exactly what treatments you need will help you find the right dental insurance plan that covers orthodontic appliances. Employer-sponsored dental insurance plans may contain optional coverage for orthodontics, and private individual and family plans may also offer dental insurance for orthodontic care.

If your current policy doesn't cover orthodontics, you can supplement it with a more inclusive dental plan.

Spirit Dental

offers affordable dental insurance for orthodontic appliances and other types of children's orthodontics.

Comprehensive dental insurance plans

can cover orthodontic work for adults if it's for health reasons, but they usually don't cover orthodontic appliances if they're purely cosmetic. If your dental insurance doesn't cover dental appliances, consider buying a supplemental orthodontic plan or enrolling in a dental discount plan.

Many dental insurance plans cover orthodontic insurance for children under 18 if braces are considered to be medically necessary. Standard dental insurance usually doesn't offer coverage for adult orthodontic appliances and other orthodontic coverage for adults 18 and older, because for adults it's often considered a cosmetic procedure. Fortunately, with the right policy, you can save money while giving your child the dental care they need. When considering what dental insurance is right for you and your family, you should consider a plan that offers orthodontic coverage.

If your current policy doesn't include this coverage, you can supplement it with a more inclusive plan or enroll in a dental discount plan. It's also possible to use funds from health savings accounts (HSA) or flexible spending accounts (FSA) to pay for dental bills.

Spirit Dental

offers affordable orthodontic insurance plans that can help you save hundreds or even thousands of dollars during the course of treatment. That said, it's not entirely unreasonable that your dental insurance can cover orthodontic appliances, so be sure to talk to your policy provider if you're not sure.

Double billing by insurance companies is illegal, but you can have one company cover what the other company doesn't cover if the policy allows it. When it comes to finding the best way to save money on orthodontic appliances, consider all of your options carefully. With the right policy, you can rest easy knowing that you are saving money while giving your child the dental care they need.