Orthodontia coverage is typically limited to those age 18 and under. Dental insurance policies don’t generally cover braces for adults.
EXPERT TIPS
How to Choose Dental Insurance for Braces
Les Masterson
Insurance Editor
Amy Danise
Insurance Managing Editor
Michelle Megna
Insurance Lead Editor
Jason Metz
Insurance Lead Editor
Ashlee Valentine
Insurance Editor
Check What the Policy Covers
I’ve found that dental insurance policies vary in what kind of orthodontic services they cover. For instance, check what they cover for pre-orthodontic treatment visit, X-rays, tooth extractions recommended by the orthodontist and orthodontic services, including placement, adjusting and removal and post-treatment care and follow-up. Also make sure it covers the type of braces you want.
See Which Dentists and Orthodontists Accept the Policy
Dental insurance policies may have a provider network. Check to make sure your dentist accepts the plan and that there are specialists in the area, in case you need to get additional care. Depending on the plan, I’ve found that you pay for more or all of the costs if you get care outside of your plan’s network.
Insurance Managing Editor
Ask About Coverage Limits for Braces
Dental policies with braces coverage generally have maximum coverage limits for that service, which may also include an annual coverage limit. I’d suggest checking about each deductible type and factoring in how those coverage maximums may affect your costs.
Insurance Lead Editor
Check for Repeat Restrictions If You’ve Had Braces
Dental insurance policies may restrict orthodontic coverage if you had braces previously. I would warn that you may have to pick up all the orthodontia costs in that case.
Insurance Lead Editor
Understand Waiting Periods
Dental insurance companies may have waiting periods for services like orthodontics. I’ve found that waiting periods are often six months but some policies don’t cover braces for a year.
Insurance Editor
