Insurance companies that cover braces

Get cheap Insure auto insurance now. Start your free online quote and save $536! Have more than one vehicle? Multi-car quotes in just minutes. Coverage for all drivers.

But orthodontia is pricey, and finding dental insurance that covers braces for adults can be challenging.

Nonetheless, more plans are now offering orthodontic benefits for adults. Aetna has a few plans which cover full orthodontic child and adult treatments with the best discount. Orthodontic insurance is included under many dental plans and covers some costs of specialty dental care , including braces.

Learn how to find the right plan for you. The most common benefit is payable at a percentage with a lifetime maximum of a certain amount. Dental insurance plans may cover orthodontics for adults, but if the treatment is desired for purely cosmetic reasons it is usually not covered.

Alternatives to braces. One alternative to metal braces is Invisalign. This option tends to be slightly more expensive than traditional braces , but some dental insurance policies will cover a portion of the cost.

Beware of 1-year waiting periods. Read everything carefully. The Affordable Care Act (ACA) requires dental coverage as an essential health benefit for children years old or younger.

The company must offer a plan but you do not have to buy it. But without dental insurance coverage , your child’s braces can put a big dent in your budget. The average American spends about $0to $5on braces without dental insurance.

This price is just for the braces themselves — not including visits to the orthodontist, x-rays or other diagnostic tests. A lot of people nowadays choose to seek orthodontic treatment because it takes care of several different oral problems. How much does insurance cover for braces?

What are the benefits of wearing braces? Does Delta Dental cover Invisalign? Which dental insurance covers braces? Health insurance, for example, doesn’t cover most dental care and many dental insurance plans don’t cover orthodontia, which refers to braces and related corrective devices like retainers. But, as an adult, this is rarely the case.

But, they may balk at covering braces for cosmetic reasons. You would need to check with your plan or potential plan to see. This type of insurance can be used as a supplemental insurance in case a person needs braces but his existing dental insurance plan does not cover the said treatment. Depending on the dental plan and type of braces , up to of coverage is available for braces.

This determination is available once the orthodontist office submits your claim to Masshealth.

Medically necessary means the orthodontic procedure prevents, diagnoses, or treats an injury, disease, or symptoms. Below are examples of possible medically necessary conditions common with adults. Things to know about insurance and braces: Dental plans typically don’t cover cosmetic procedures, such as whitening and veneers, but if your child has a medical need for braces (difficulty chewing or jaw misalignment), your plan may provide coverage. All dental plans have an annual cap on services for the year.

The answer is, many times, yes… but a lot depends on your insurance company , type of coverage , and whether your mouth alignment can be considered a medical issue. In North Carolina, most major providers of dental insurance will partially cover the cost of Invisalign, chipping in anywhere from to of the total cost. If your benefits cover two-phase orthodontic treatment, retainers are usually covered after each phase.

Typically, one set of post-treatment retainers (for orthodontic purposes) is covered in a lifetime.