What Insurance Covers Braces?

Are you considering getting braces but are worried about the cost? You’re not alone – many people are hesitant to start orthodontic treatment because of the expenses involved. Luckily, there may be options available to help make the cost more manageable. In this article, we’ll explore what insurance covers braces, so you can make an informed decision about your orthodontic care.

Types of Orthodontic Treatment

First, it’s important to understand that there are several different types of orthodontic treatment available. The most common is traditional metal braces, which use brackets and wires to gradually move teeth into place. Other options include ceramic braces, which are less visible than metal braces, and clear aligners, such as Invisalign. Your insurance coverage may vary depending on the type of treatment you choose.

Metal Braces

If you opt for traditional metal braces, your insurance may cover a portion of the cost. Many plans provide coverage for orthodontic treatment, but the amount covered can vary. Some insurance companies will cover 50% of the cost, while others may cover up to 80%. However, there is usually a lifetime maximum to the coverage, meaning that once you reach the maximum amount, you will be responsible for the rest of the cost.

It’s important to note that insurance plans often have a waiting period before orthodontic coverage kicks in – typically around 12 months. You’ll also need to meet certain criteria, such as having a certain degree of misalignment or bite issues, in order to qualify for coverage.

Ceramic Braces

Ceramic braces are similar to metal braces but use clear or tooth-colored brackets and wires. They are less visible than metal braces, but the cost can be higher. Insurance coverage for ceramic braces is usually similar to that of metal braces, but it’s always best to check with your specific plan to see what’s covered.

Clear Aligners

Clear aligners, such as Invisalign, are a popular alternative to braces. They use a series of clear, removable trays to gradually shift teeth into place. While they can be more comfortable and discreet than braces, they can also be more expensive. Some insurance plans may cover clear aligners, but coverage can be limited. Again, it’s best to check with your specific plan to see what’s covered.

Insurance Options for Braces

There are several types of insurance that may provide coverage for orthodontic treatment. These include:

Dental Insurance

Dental insurance plans often include coverage for orthodontic treatment, including braces. However, not all plans provide this coverage, and the amount covered can vary.

Health Insurance

In some cases, health insurance may provide coverage for orthodontic treatment. This is more likely if the treatment is deemed medically necessary, such as in cases where there are severe bite issues or jaw misalignment.

Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs)

FSAs and HSAs are savings accounts that can be used to pay for medical expenses, including orthodontic treatment. These accounts can be funded with pre-tax dollars, which can help lower the overall cost of treatment.

FAQs

Conclusion

If you’re considering getting braces, it’s important to understand what insurance covers and what options are available to help make the cost more manageable. While coverage can vary depending on the type of treatment and insurance plan, there are usually options available to help offset the cost. Be sure to check with your insurance provider to find out what coverage is available to you.