Are braces covered by insurance?

Many people who require orthodontic treatment may wonder whether their insurance will cover the cost of braces. While the answer to this question can vary depending on the insurer and your specific policy, there are some general guidelines that can help you understand what to expect. This article will explore some frequently asked questions about braces and insurance coverage.

What types of insurance cover braces?

There are several types of insurance that may cover orthodontic treatment, including:

  • Medical insurance
  • Dental insurance
  • Vision insurance
  • Flexible spending accounts (FSAs)
  • Health savings accounts (HSAs)

Each type of insurance may have different requirements and limitations when it comes to orthodontic coverage. For example, some dental policies may only cover braces for children, while others may cover treatment for adults as well. It is important to carefully review your policy to understand what is covered and what is not.

What factors influence insurance coverage for braces?

There are several factors that can impact whether your insurance will cover the cost of braces, including:

  • Your age
  • Your specific diagnosis or condition
  • The severity of your condition
  • The specific treatment plan recommended by your orthodontist
  • Your insurance policy and coverage details

When seeking insurance coverage for braces or other orthodontic treatment, it is important to work closely with your orthodontist and insurance provider to understand all of the factors that may impact your coverage and cost.

Are braces considered a cosmetic treatment?

While many people may associate braces with cosmetic dentistry, the reality is that orthodontic treatment can have a variety of health benefits. For example, braces may be used to correct misaligned or crowded teeth, which can make it easier to clean your teeth and prevent dental problems such as cavities or gum disease. Additionally, orthodontic treatment may be used to address issues with your bite or jaw alignment, which can lead to improvements in speech, chewing, and overall oral health.

Despite these potential health benefits, some insurance policies may still consider braces to be a cosmetic treatment and may not cover the cost. If you are unsure whether your insurance policy covers orthodontic treatment, it is always a good idea to speak with your insurance provider directly to get more information.

What questions should I ask my insurance provider about braces coverage?

When exploring your options for braces coverage, there are several important questions to consider:

What is covered?
Ask about the specific types of orthodontic treatments that are covered under your policy.
What is not covered?
Understand what types of treatments or services you are responsible for paying out-of-pocket.
Is preauthorization required?
Some policies may require preauthorization or approval before beginning orthodontic treatment.
What is the maximum benefit for orthodontic treatment?
Understand the maximum amount that your policy will cover for orthodontic treatment.
Are there any waiting periods?
Some insurance policies may require a waiting period before orthodontic treatment is covered.

By asking these and other important questions, you can make a more informed decision about your orthodontic treatment options and insurance coverage.


While the process of exploring insurance coverage for braces can be complex, taking the time to understand your policy and ask important questions can help you find the best solution for your orthodontic needs. Whether you are seeking treatment for yourself or for a family member, working with an experienced orthodontist and knowledgeable insurance provider can help you navigate the process with confidence.