Does Dental Insurance Cover Braces?
Crooked Teeth? Unhappy with your smile? Have you ever wondered if your insurance provider covers orthodonture, or if dental insurance is worth it? If you have health or dental insurance you can check with your current provider, however most health plans will not cover anyone over the age of 18 years old, but may partially cover children under 18.
If you think your child may need braces, you may want to speak to a representative or review details of your plan, because every plan is different. Some plans can help cover the cost of braces and some do not, you just need to verify you have the right coverage for your needs.
Things you need to know about dental insurance:
- Insurance typically doesn’t cover cosmetic procedures such as porcelain veneers or whitening. However, if your child has a need for braces, it may be covered by your provider
- All dental plans have an annual cap for coverage each year. Ask your provider if the cost of the braces for your child could meet or exceed that cap
- There are waiting periods to have certain procedures done. So, if your child needs braces, make sure you plan ahead
- If your child got braces before the start of your orthodontic plan’s effective date, the braces become an out-of-pocket expense
- Sometimes a supplemental orthopedic plan is necessary to receive coverage for orthodontic care.
Does any dental insurance cover braces?
Oftentimes major medical insurance plans will not offer dental coverage. It will most likely be a supplemental plan that you will need to purchase. Certain states require that the dental insurers are state licensed to provide cover children’s orthodonture. Restrictions in coverage may apply.
Are adult orthodontics covered by dental insurance?
Unfortunately most dental plans that cover orthodontics for adults do not cover orthodonture for cosmetic purposes.
If you want to learn more about dental insurance and how they work with braces, visit us at Healthedly so you can speak to an agent and get a quote today!
