Girl with braces taking selfie

Braces can transform a smile and restore confidence in your appearance. Did you know that getting the smile you or your child have always longed for could be less expensive than you thought? To pave the way to a beautiful smile without breaking the bank, consider purchasing supplemental insurance for braces.

Does Medical Insurance Cover Braces?

Typically, major medical insurance plans do not include orthodontic coverage for adults. Some plans offer partial orthodontic coverage for children under 18. Some health plans also provide dental benefits in certain medically necessary situations, such as experiencing oral side effects from a health condition  or drug and having a traumatic dental injury. In such cases, some medical insurance typically covers treatment to repair or reconstruct damaged teeth  as well as surgery that’s related to the jaw and facial bones—known as oral and maxillofacial surgery. Another type of care that a medical plan may categorize as a medically necessary dental service is cleft palate repair for children.

What Insurance Covers Braces?

Orthodontic insurance is a type of supplemental plan that covers devices used to correct abnormalities of the teeth and jaw, such as braces. Supplemental orthodontic insurance for braces is available for both adults and children.

What Does Dental Insurance for Braces Cover?

Supplemental dental insurance for braces covers the use of devices to:

  1. Straighten teeth.
  2. Close spaces between teeth.
  3. Correct irregularities with bite.
  4. Properly align lips and teeth.

How Much Does Orthodontic Insurance Cover?

Some plans will cover a percentage of braces for patients who are 18 and younger. But the type of plan you choose also factors into the overall cost of realigning teeth. Traditional metal braces range in cost from $3,000 to $7,000. Ceramic braces and Invisalign (clear plastic trays that snap onto teeth) both cost between approximately $4,000 and $8,000. Supplemental orthodontic insurance for braces can help you manage those expenses. Supplemental dental insurance for braces may also involve a separate lifetime maximum that applies to the entirety of your orthodontic treatment and is not part of your annual dollar maximum for other types of dental care.

How Do You Know If You (or Your Child) Need Braces?

To begin, your dentist can tell you if they believe you would benefit from braces. They will refer you to an orthodontist. An orthodontist is a dental specialist who utilizes a variety of methods to straighten teeth and realign bites. During your visit, the orthodontist will evaluate your teeth and tell you if braces would be appropriate.

Ask Your Orthodontist for an Estimate

Just like with a general contractor, you can request an estimate from your orthodontist to avoid surprises with your bill. Ask your orthodontist to send your insurer a pretreatment estimate. The insurer can then provide an estimate of payments by the plan. This is just an estimate, and if additional services are needed, the charges may surpass what the orthodontist predicted. However, a pretreatment estimate gives you a feel for what your out-of-pocket expenses may be. Then, supplemental dental insurance for braces can alleviate some of those expenses.

HealthMarkets Insurance Agents Are Here to Help

When purchasing supplemental dental insurance for braces, it is essential to understand the details of your plan to avoid any surprise costs. Get an online quote today, or find a local insurance agent. Call HealthMarkets at (800) 642-0607.

HMIA001102 6-2020

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