Finding the right dental insurance plan for orthodontic appliances can be a daunting task. With so many plans to choose from, it's important to know exactly what treatments you need and what additional costs may be involved. Fortunately, there are a variety of options available, from private individual and family plans to employer-sponsored dental insurance plans and supplemental orthodontic plans. Delta Dental is our best overall choice for dental insurance that covers braces, as it offers a wide variety of plans with no need for referrals.
Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or its affiliates. These plans may include coverage for orthodontic appliances, but it's important to consider any additional costs that may be part of your treatment. Comprehensive dental insurance plans can cover orthodontic work for adults if it's for health reasons, but they won't cover orthodontic appliances if they're purely cosmetic. If your current policy doesn't cover orthodontics, you can supplement it with a more inclusive dental plan or enroll in a dental discount plan.
Spirit Dental offers affordable dental insurance for orthodontic appliances and other types of children's orthodontics. When evaluating dental insurance options, it's important to understand the services that are typically associated with orthodontics. If you're determined to buy clear aligners instead of traditional braces, you may be able to find an insurance plan that partially covers the cost. Most dental professionals agree that eligible children should receive braces between the ages of 10 and 14. Once your orthodontic treatment begins, follow the terms of your plan closely so you can take advantage of discounts that you qualify for under your dental insurance plan.
If you go to a dentist who is in network, they are contractually obligated to give you the discounted insurance fee and not the office fee, which is usually between 20 % and 40% higher. Buying supplemental dental insurance to help pay for orthodontic appliances and supplement your primary health plan can benefit both your personal health and your finances. We've compiled a bank of resources to help you find dental insurance that covers your braces and helps you save money on your oral health care.