Find out Are Your Braces Covered by Insurance?

by | Jul 7, 2022 | Dental Care, Healthy Lifestyle

braces-covered-by-insurance

Orthodontic insurance is a supplement to standard dental insurance that covers the type of work performed by an Orthodontist. This article will go over whether are your braces covered by insurance.

One of the most common inclusions people look for in this type of policy is whether it includes any element of braces insurance to cover the cost of the braces themselves. 

Why Do People Require Braces? 

Malocclusion occurs when your teeth do not bite together correctly and can be caused by various factors such as thumb sucking, accidents, early loss of milk teeth, or even inherited from our parents. Symptoms may include protruding upper front teeth or a misalignment between your jaws, resulting in an incorrect bite when the teeth meet. 

Wearing a brace is the most common form of Orthodontic treatment. When the brace is fitted, it applies gentle pressure to specific teeth, gradually pushing them back into place. If you have plans of having braces, you need to find dental insurance that covers braces for better results.

Does Dental Insurance Cover Braces?

Dental coverage is typically not a part of major medical insurance. You purchase them separately as an add-on to your existing medical coverage but there as insurance plans that cover braces too. The point to ponder is does dental insurance cover braces?

Does Dental Insurance Cover Braces min

Dental Insurance that Covers Braces

Kristo Orthodontics believes in making oral health a crucial part of human health and also guiding you in developing the best oral hygiene practices. Kristo Orthodontics offers a 0% interest financing program with 0% down, to make dental treatment more accessible to everyone, especially those who do not have their insurance. 

Medicaid gives dental insurance which offers braces covered by insurance. Though getting qualified for this insurance is a bit difficult but once you get it, you can get your braces covered in it. You can go to any nearby orthodontist to confirm whether your treatment plan qualifies or not. 

For Medicaid, you can also get information about the coverage percentage and maximum benefit one can have for a lifetime. 

How much do braces cost?

If you are going to purchase braces without insurance plans, the brace’s cost can vary in the range of $3,000 to $10,000. If you want dental braces that are less apparent than standard braces, these are going to cost you even more. 

The cost of braces depends on the material used. The most used types of braces are simple metal braces, ceramic braces, Invisalign braces, and lingual braces. One of the most competitively priced braces is standard braces that are very evident as well. They fall in the budget of approximately $3000 to $7500.  

Ceramic braces have a similar appearance to metal braces, however, they are significantly more expensive. The cost varies from $2,000 to $8,500. Invisalign braces are more costly than regular braces. Their cost ranges from $3,000 to $7,000 normally. Gazing at the prices compels us to research, does insurance cover braces?

Traditional braces perform the same function as lingual braces, except they are affixed to the underside of your teeth rather than the front. Although lingual braces are practically unnoticeable and are more expensive being in the price range from $5,000 to $13,000.

What about orthodontic insurance for adults?

Braces and other orthodontic treatments are not covered by all dental insurance plans. If you have dental insurance, now is the time to contact your provider and educate yourself with the tiny print and get to know about the braces covered by insurance. Your insurance will cover at least a portion of the expense of your or your child’s orthodontic treatment.

You should be aware that orthodontic procedures typically have an annual or lifetime cap, and your plan may cover braces for children but not for people over the age of 18. Orthodontic insurance for adults is different since there are certain procedures under some plans that need waiting periods. 

Conclusion: 

Braces covered by insurance provide ease to adults to get dental work in an affordable range. Several obtainable plans and add-ons in insurance coverage have made braces very accessible.

Frequently Asked Question

Braces are not included in many insurance plans. Even if they are there, then they are partly covered. Many of the insurance plans offer this as an add-on. Usually the charges are as follows:
Type of braces Before insurance After insurance
Metal braces $3,000 to $7,500 $1,500 to $3,750
Ceramic braces $2,000 to $8,500 $1,000 to $4,750
Invisalign braces $3,000 to $7,000 $1,500 to $3,500
Lingual braces $5,000 to $13,000 $3,500 to $9,250
The braces cost varies in the range of $3000 to $10,000 if you are going without the insurance plan. If your plan is to get a pair of braces that are less apparent than the standard one then this is going to be more charged. As per the ADA, the average cost of dental treatment including braces is $5,000 to $6,000.
Well, it might be possible. It is easier for children to get free braces as compared to adults through different charitable programs. There are several platforms that offer discounts and orthodontic insurance for adults. but it is preferred to look for different ways in which you can finance your dental plans through discounts, offers, and dental schools.
It is expected to have slight pain and discomfort at the time when the orthodontist is adjusting the braces. The discomfort ends as soon as the adjustment is over however, the tooth pain stays for a maximum of four days but not more than a week.
The most ‘wanted’ colors when it comes to guys are darker shades such as green and blue whereas bright colors are more popular in girls like pinks and purples. Braces’ colors are also picked up in combination with hair color and what compliments the skin tone.
The average life of braces lies between 1 to 3 years. This may be needed for shorter or longer depending upon the circumstances and usage.
In most cases, an oral surgeon can apply a surgical procedure to change the teeth alignment. If the positioning of the teeth and jaw are creating difficulty that a dentist will recommend orthognathic surgery to fix the problem.
In most scenarios, family and individual plans cover dental insurance for orthodontic care. When it comes to the employer-sponsored plan then they do not provide complete coverage. You can discover the currently existing status of your insurance if it covers orthodontics. In case of absence, it can be supplemented with a dental plan.