Best Insurance for Braces in 2022

Did you know most of our readers prefer DentalInsurance.com for their dental insurance needs?

Braces can help you get the smile you deserve. They straighten teeth, correct over and underbites and even prevent tooth decay and gum disease.  

Let Benzinga help you determine your options for the best dental insurance that covers braces. 

Quick Look: The Best Insurance for Braces

The Best Insurance for Braces

We’ve already done the research to find the best dental insurance that covers braces. Here are our top 5 picks and what they have to offer. 

1. Best Overall: Ameritas

Ameritas offers options for orthodontic coverage for both adults and children.

Ameritas also has a unique program that allows you to roll over your benefits from 1 year to the next so you can save up for more expensive services.

The company is also known for excellent customer service.

Ameritas Best For

Adult and child orthodontia benefits

get started Call Now securely through Ameritas’s website Best For

Adult and child orthodontia benefits

1 Minute Review

Ameritas offers trusted health, dental and vision insurance plans. Find a provider in your area using America’s largest network.

Best For

  • Orthodontic benefits
  • People who have health or vision insurance with Ameritas
  • Large provider network

Pros

  • AM Best Rating A
  • Wide range of coverage options
  • Ortho coverage up to 50%

2. Best for Discounts: Dentalplans.com

Dentalplans.com is a search tool for finding affordable dental discount plans. These plans aren’t insurance, so you don’t have the hassle of dealing with claims. Usually, you pay a monthly fee to receive the discounts and choose a provider that accepts the discount plan.

You pay the discounted price when you receive your service. It’s easy for you and your dentist, and you can choose a plan that offers discounts on braces and other major dental services. 

DentalPlans.com Best For

Saving money on dental expenses

Find a Plan securely through DentalPlans.com’s website Best For

Saving money on dental expenses

1 Minute Review

It can be time-consuming to find the best dental plan. You need to visit the websites of insurance companies, review the plans and determine which one fits into your budget while giving you the benefits you need. 

DentalPlans.com takes the stress out of finding a dental plan. It focuses on dental savings plans, also known as dental discount plans. 

These plans aren’t insurance, but they can still save you a significant amount of money on your dental costs. They also have some advantages over dental insurance. For example, while traditional insurance typically has waiting periods, dental savings plans do not. And you can typically use a dental savings plan for cosmetic procedures. 

DentalPlans.com has been in business for over 20 years and it has excellent reviews from its customers. You can choose among 30+ dental savings plans, and if you prefer dental insurance, DentalPlans.com offers that as well. Its customer service team is available to help you choose the best plan, and you can switch plans at any time. You can also buy a plan online. 

DentalPlans.com is best for people who need dental services immediately or who need extensive dental care. It has a wide range of plans and extensive customer service availability. The website can be challenging to navigate, though, and your options are limited if you prefer dental insurance. 

Learn more in this DentalPlans review. 

Best For

  • Those who need cosmetic dental services
  • Those who need dental care immediately

Pros

  • Wide variety of dental savings plans
  • Extensive customer service availability

Cons

  • Website can be difficult to navigate
  • Limited dental insurance options

3. Best for Comparing Plans: eHealthInsurance

eHealthInsurance makes it simple to find a dental plan that meets your needs. Enter your information and you’ll receive a list of plans available in your area.

Check each plan’s details to see if braces are covered. Instead of going to several sites to compare plans, you can view it all from 1 convenient site. You can even sort plans by premium, deductible or company. 

eHealthInsurance Best For

Comparing plans directly from providers

Get started securely through eHealthInsurance’s website 1 Minute Review

Get affordable dental plans as low as $8.95 per month with eHealth. Compare more than 600 plans directly from over 270 trusted providers 24/7 and get coverage for preventative care and more.

Best For

  • Comparing multiple quotes from providers
  • Comparing plans directly from providers

Pros

  • Offers affordable plans in your area
  • Get dental, health and short term health insurance quotes in one place
  • Simple user experience

Cons

  • Not every provider available

4. Best for Affordability: Delta Dental

Delta Dental has an extensive provider network and affordable plans that include coverage for braces.

Not all plans include that coverage, so look at each plan’s details to get the coverage you need. 

Delta Dental Best For

Cleaning + exams

Best For

Cleaning + exams

1 Minute Review

Delta Dental is a dental insurance company with over 80 million members and a network of nearly 339,000 dentists nationwide. As the largest dental insurer in the U.S., Delta Dental offers coverage for individuals and families and small businesses and retirees. With over 60 years of experience, Delta Dental offers some of America’s best dental insurance plans.

Best For

  • Orthodontic procedures
  • Cleaning and exams

Pros

  • Nationwide coverage available
  • Multiple dental insurance options
  • Price matches discount providers
  • No waiting period for preventative treatments

Cons

  • Availability varies by state

5. Best for Preventive Care: Cigna

Braces or not, good preventive care is key to dental health. Cigna offers $0 preventive care, including cleanings and routine X-rays if you see an in-network dentist.

It offers an extensive dental network, and its customer service reps are available 24/7.

It also rates its dentists on affordability and patient experiences so you can choose a high-quality dentist. As with other dental providers, not all plans include coverage for braces, so review the plan terms carefully. 

Cigna Best For

Affordable annual premiums

Disclosure: Not every plan is available in every area or to every customer.

Best For

Affordable annual premiums

1 Minute Review

The Cigna Dental Savings Plan is a more affordable alternative to traditional dental insurance. Like traditional health or dental insurance, you’ll pay a premium to keep your discount plan current. However, instead of paying a premium every month, you’ll pay off your entire annual premium when you sign up for coverage. When you need dental treatment, you can use your Cigna Dental Savings plan to receive a discount on services. Fees vary by region, but on average, dental plan holders save about 35% on their treatments. Using a dental plan in lieu of insurance also allows you to get the services you need without the hassle of filing a claim. 

While not a form of dental insurance, investing in a dental savings plan can help you control the costs of your oral care needs. Unlike many dental insurance options, the Cigna Dental Savings Plan can be used for cosmetic dentistry and orthodontics care so long as you choose a service provider that’s within Cigna’s network. Though a savings plan won’t cover any of the costs of your actual care, it can provide individuals and families with an option to lower their costs without breaking the bank. 

 

Best For

  • Anyone who doesn’t have dental insurance
  • Anyone looking to save money on dental care costs
  • Families looking for affordable dental assistance

Pros

  • Allows you to save an average of 35% on dental care costs
  • Includes a network of 88,000 dental professionals
  • Discounts can be used on cosmetic dental procedures

Cons

  • Does not cover any portion of your dental care costs
  • Not available in every state

Does Dental Insurance Cover Braces? 

Coverage for braces varies by plan — and not all plans offer it. As you look at potential dental insurance plans, review the policy language for orthodontics or orthodontia — both terms refer to braces. 

Watch out for any age limits, too. Some plans only cover orthodontics for dependents 18 or younger. Keep this in mind if you or your spouse need coverage for braces. 

Types of Dental Coverage

The most common types of dental coverage include:

  • PPO: A preferred provider organization (PPO) lists a provider network, and you typically pay less if you see an in-network dentist. You can see dentists outside the network, but you pay more. 
  • HMO: A dental health maintenance organization (HMO) also has a network. The insurance plan pays dentists a monthly fee to take care of your dental needs. This means you do need to see a network dentist, and you may have little to no copay for basic preventive services. 
  • Fee-for-service: Companies may also call these plans “traditional” dental insurance or indemnity plans. You can typically see any dentist and the insurance company pays based on the type of procedure — you pay the difference. 
  • Discount plans: Discount plans aren’t technically insurance. Instead of dealing with paperwork and claims, you pay a monthly or annual fee to receive a discount on dental services. You receive the discount upfront and pay the balance at the dentist’s office. All dentists should accept the discount plan. 

Average Cost of Dental Insurance that Covers Braces 

The average cost of dental insurance depends on several factors. A fee-for-service plan costs an average of $65 per month, but insurance and discount plans can cost much more or less than that. Plans that include coverage for braces may cost more, but it again, it varies from plan to plan. 

What impacts the cost of dental insurance? 

  • The type of plan: Plans that cover out-of-network providers cost more than those that don’t. Discount plans typically cost less than insurance plans since the discount plan doesn’t pay for your dental care. Instead, it negotiates with providers to offer an upfront discount. 
  • Deductibles: A deductible is an amount you pay before your insurance starts to cover services. Let’s say your plan has a $500 deductible and you receive $700 in services from your dentist. You’re responsible for the first $500. After that, you’re responsible for your share of costs based on the terms of your plan. Plans with low deductibles often have higher premiums. 
  • Annual maximums: Dental plans often have an annual maximum, which is the most your dental plan will pay in benefits per year. If your dental insurance plan has a $2,000 annual maximum, it will pay your dentist up to $2,000 over the course of a year. After that, you’re responsible for the costs until the new plan year. If you want a lower premium, choose a plan with a lower annual maximum. 
  • Coinsurance: Coinsurance is the percentage your plan pays for a given dental service. The percentage your dental plan will pay usually depends on the type of service. A plan might pay 100% of preventive services like cleaning but only 50% for braces. Typically, plans that pay a higher percentage for services have a higher premium. 

Why is Coverage for Braces Important?

Braces are expensive, and prices vary depending on where you live and the type of braces you choose. Traditional braces have brackets and wires. The average price of these braces is between $5,000 and $6,000. Ceramic braces, which are similar to traditional braces but less visible, cost about $500 more. Invisible aligners are an increasingly popular choice. These braces also cost $5,000 to $6,000. 

Let’s say your plan covers braces at 50%. Your braces cost $6,000. Depending on your plan’s limits, this means you pay $3,000 out-of-pocket instead of $6,000. 

What to Look for in a Dental Insurance Provider

Which dental insurance provider should you choose? Use these questions to consider your needs and personal preferences: 

  • Does it include coverage for braces? 
  • What percentage of the costs does it cover for braces? 
  • Are there specific types or brands you can or can’t use?
  • Are there any age restrictions on braces coverage?
  • Is your preferred dentist or orthodontist part of the plan’s network?
  • Are there limitations or waiting periods for preexisting conditions?
  • Are dental emergencies covered?
  • Are you covered if you have a dental emergency while traveling? 

Which Dental Provider is Right for You?

You deserve that perfect grin, and dental insurance that covers braces can help you pay for it. 

Consider the deductible and premium you’re comfortable with and consider annual plan limits to meet your needs. 

One way to find affordable dental insurance is to compare plans by visiting our trusted partner for a quote. Review the details and make an informed decision that will keep you and your family smiling. 

Frequently Asked Questions

How does dental insurance work?

1

How does dental insurance work?

asked 2022-04-07

Melinda Sineriz

1

A dental insurance plan charges a premium in exchange for covered benefits. Unlike health insurance plans, dental insurance plans usually have a cap on benefits, which means your plan may stop providing coverage once you reach the annual cap, often between 1k and 3K. Like other types of healthcare insurance, dental insurance focuses coverage on essential services, like cleanings, fillings, etc. Many plans don’t cover braces or elective cosmetic procedures.

Answer Link

answered 2022-04-07

Benzinga

Is dental coverage part of health insurance?

1

Is dental coverage part of health insurance?

asked 2022-04-07

Melinda Sineriz

1

Some health insurance plans bundle dental coverage as well but, in many cases, dental insurance is a separate plan. Healthcare plans that are ACA-compliant are required to offer dental coverage to children but there is no requirement that adults have dental insurance coverage. Choosing a separate dental insurance plan can be a cost-saving step and helps make dental health costs more predictable.

Answer Link

answered 2022-04-07

Benzinga

What kinds of dental insurance are available?

1

What kinds of dental insurance are available?

asked 2022-04-07

Melinda Sineriz

1

Your choices for dental insurance plans are similar to health insurance choices. You can choose from a dental HMO, which helps to keep premium costs low by keeping services within controlled network. Dental PPOs give more freedom to choose your dentist and care but cost more than HMO plans. A third option is called a dental indemnity plan, which pays a fixed amount or percentage for covered services.

Answer Link

answered 2022-04-07

Benzinga

Read also:

To determine the best dental insurance providers, we pored through all United States carriers. We winnowed the list by only including companies that have a wide coverage area and product offering. To further break down the list to the true best dental insurance providers, we gave weight to carriers that offer discounts, are available in all states and have multiple payment plan options.

Get 10% off any dental savings plan at DentalPlans.com. You can reduce your dental care costs by saving 10-60% off at the dentist!

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