Many dental plans provide some level of orthodontic coverage, but it can vary depending on the provider and type of plan. Here’s a general breakdown:
- Child orthodontics—Most insurance plans cover a portion of braces costs for dependents under the age of 18. Coverage typically includes initial consultations, the orthodontic appliance (braces) and adjustments.
- Adult orthodontics—Fewer plans offer coverage for adults. If available, adult orthodontics coverage often comes with higher premiums.
- Medically necessary braces—Coverage may depend on whether the braces are for cosmetic reasons or health reasons.
What is the best dental insurance for braces?
In general, preferred provider organization (PPO) plans offer the most orthodontic benefits. Some dental health maintenance organization (DHMO) plans could offer benefits or discounts as well.
Plans with orthodontic benefits usually offer partial coverage for braces, especially for dependents under the age of 18. If adult orthodontic coverage is available, it may be more limited.
How to know if it’s time to invest in orthodontics and braces
Orthodontic treatment is typically necessary when there’s a noticeable issue with the teeth, bite or jaw. Common reasons include:
- Teeth that are crooked or crowded
- Difficulty chewing or speaking
- Early or late loss of baby teeth
- Teeth that don’t align properly during a bite
For young children, experts recommend asking your dentist about orthodontics as early as possible—usually when permanent teeth begin to appear.
Humana can help with the cost of braces
If you need orthodontic care, Humana can help. We offer a Dental Savings Plus dental discount plan that may provide discounts on braces. To see plans and prices in your area, check out our Dental Savings Plus plan.