Many dental plans include orthodontic coverage, typically paying 50% of costs up to a $1,500-$3,000 lifetime maximum, often with age restrictions.
Insurance typically covers 50% of orthodontic costs up to a lifetime maximum, paying $750-$1,500 toward total braces costs of $3,000-$7,000.
If your plan covers orthodontics, Invisalign is usually covered the same as traditional braces. Coverage depends on your orthodontic benefit limits.
Many plans limit orthodontic coverage to dependents under age 19 or 26. Adult orthodontic coverage is available but less common and may cost more.
Orthodontic lifetime maximum is the total amount your insurance will ever pay for orthodontic treatment, typically $1,500-$3,000 per person for life.
Yes, orthodontic waiting periods are typically 12-24 months, longer than other dental services. Some plans have no ortho coverage initially.
Retainers are often covered as part of orthodontic treatment if received during active treatment. Replacement retainers may not be covered.
Yes, coordination of benefits allows using two plans. The primary plan pays first, then secondary may cover remaining costs up to its limits.
Orthodontic benefits are typically paid in installments over treatment duration rather than as lump sum, matching monthly payment schedules.
Commonly excluded: adult orthodontics, cosmetic-only treatment, retreatment, surgical orthodontics, and treatment started before coverage began.