Does Dental Insurance Cover Braces?

Wearing braces is rarely much fun, but it’s something that is necessary for some people. Both children and adults wear braces for a number of reasons, whether it is to have a more beautiful smile, to correct an overbite or to address complications associated with misaligned teeth. As uncomfortable as wearing braces can be, the end results are always worth it.

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Unfortunately, braces can also be very expensive. Many braces cost thousands of dollars, which puts them out of the price range of many working class families. Having insurance can help cover the costs of braces if you have a good dental plan. Even children who need braces may be covered by their parents’ insurance.

If you or a member of your family needs braces, you are advised to take a look at your dental insurance plan to see if orthodontics are covered. Oddly enough, there are more dental plans that do not cover braces than plans that do. With as expensive as braces can be, you should consider orthodontics and braces coverage whenever you enroll in a new dental plan. You or your family may not need braces at the moment, but you’ll never know if that may change in the future.

When it looks like you or a member of your family will need braces, the first thing you should do is make an appointment with an orthodontist. Your dentist will be one of the first people who will notice your need for braces, so he or she should be able to give you a good recommendation. During the appointment, ask what kinds of options are available to you. Some products will naturally be more expensive than others, but find out what you can afford and what your insurance will cover. You might be pleasantly surprised.

No dental plan will cover all the costs of receiving braces. In fact, it’s rare to find a plan that covers even 50 percent of the cost. Each insurance plan and each company is a little different, so there aren’t many constants. However, one thing that all insurance plans have in common is a deductible. The amount of the deductible varies depending on the insurance plan, but for braces it’s typically between $500 and $1,000.

Dental insurance plans also require the patient to pay a copay. Once again, this copay varies from one plan to the other. Some plans require a copay with each visit to the orthodontist, while other plans consider the application of the braces to be a single treatment and require only one copay. Take a look at your dental plan to find out how this will work for you.

To sum everything up, dental insurance usually does cover the cost of braces. However, it won’t cover everything, which means you will have to pay at least part of the cost out of your own pocket.

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