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Orthodontic treatment can help countless people increase their confidence and achieve the smile of their dreams. In the past, metal braces were the go-to option for orthodontic treatment, but other options, including invisible braces and clear aligners, are increasing in popularity. The downside to most forms of orthodontic treatment is the high cost- which is where insurance companies can become a major player. However, not all orthodontic insurance companies are created equally, and different companies might be best suited for different situations. Below is a synopsis of multiple orthodontic insurance companies and a general overview of what you can expect when looking into orthodontic insurance and ways to reduce treatment costs.

Does insurance cover invisible braces?

Will dental insurance cover invisible braces? Whether or not insurance covers invisible braces is very much dependent on the specific insurance company. Does insurance cover braces? This would be the first question to answer before asking, “does insurance cover invisible braces?” If an insurance company, whether it is health insurance or dental insurance, does cover orthodontia, braces should be covered. Always check the insurance plan details to confirm or deny if invisible braces are covered.

What Does an Orthodontic Insurance Cover?​

Orthodontic insurance for adults provides coverage for orthodontic treatment, including imaging -like 3D scans- braces, exams, and post-braces retainers. But before choosing a policy, you’ll need to read your policy carefully. Another thing you may have to worry about are the long waiting periods before you can begin to receive benefits, and even then, depending on your policy, you may have to spend a certain amount out of pocket, your deductible, before the insurance will kick in. In general, however, your plan could cover:

It’s important to distinguish between orthodontic insurance and an HSA or FSA account, although many clear aligner brands will let you pay for the treatment with money from these accounts. An HSA (Health Savings Account) is a savings account where you can set aside money that isn’t taxed to use for certain medical expenses. The money in your HSA can be used to pay for deductibles, copayments, and coinsurance, although they cannot usually be used to pay monthly premiums.

An FSA (Flexible Spending Account) is similar to an HSA. It is a type of account where you can direct untaxed earnings from your job to pay for certain healthcare costs.

It’s essential to keep these two account options in mind as you’re wondering how to pay for your clear aligners. That’s because if you have dental insurance through your employer, it more than likely will not cover orthodontic care, but an HSA or FSA, which you automatically pay into with every paycheck, is an excellent option for many.

Top 7 dental insurance companies for braces

It can be confusing to figure out the ins and outs of any type of insurance, and orthodontic insurance for braces is no different. Different companies have distinct advantages to offer and can benefit patients in different ways. Below are the top 7 dental insurance companies for braces- check these out if you are looking for a way to reduce the cost of your orthodontic treatment. Looking for dental insurance that covers braces shouldn’t be a hassle.

Delta Dental

delta dental best orthodontic insurance

Delta Dental is considered the most significant dental insurance company in America and offers insurance plans that cater to various situations. Delta Dental provides plans that are grouped into three main categories: individuals and families, small businesses, and retirees. Within each of these categories, there are additional options. For individuals and families, for example, Delta Dental offers five different insurance plans. Delta Dental also features dental insurance plans in six states specifically: Arkansas, Kansas, Kentucky, South Dakota, Virginia, and Wisconsin.

Does Delta Dental cover braces? Whether or not certain treatments, such as braces, are considered in-network with Delta Dental insurance depends on your location. There is a cost estimator tool on the Delta Dental website within the “Member Tools” tab. With this, those looking for dental treatment, including braces, can select the desired treatment and enter their zip code to learn how much they can expect Delta Dental to cover for that treatment.

Pros

Cons

Does Delta Dental cover Invisalign or other brands of invisible braces?

Does Delta Dental cover Invisalign in this case. Since Delta Dental does consider braces an in-network procedure in some locations, Delta Dental Invisalign coverage can fall under this umbrella category. If it does, Invisalign cost can be reduced. However, this depends on the specific insurance plan within Delta Dental, as not all plans provide full (or any) coverage for orthodontic treatment.

DentalPlans

dentalplans best orthodontic insurance

DentalPlans offers some of the best dental discount plans, it has two different options for patients looking to reduce the cost of their orthodontic treatment. The first is a “dental savings plan,” which is different from traditional insurance coverage. Another name for a dental savings plan is a dental discount plan, and these allow patients to receive a 10% to a 60% discount on dental services from providers nationwide.

DentalPlans also offers dental insurance plans. They breakdown the typical coverage for dental insurance as follows: 100% of preventative care (annual checkups, routine cleanings, and x-rays), 80% of “basic” services (fillings, some extractions, and some deep cleanings), and 50% of “major” services (root canals, bridges, crowns, dentures, and orthodontic treatment).

To be clear, DentalPlans is not a stand-alone dental insurance company- its website simply serves as a vehicle for patients to be able to compare and contrast their options with several different dental insurance companies, including Aetna, Delta Dental, Humana Complete, and Renaissance Dental.

Pros

Cons

Does DentalPlans insurance cover Invisalign or other brands of invisible braces?

Given that DentalPlans offers insurance from several different companies, and some of the companies do include braces (and therefore potentially invisible braces as well) as part of their coverage, DentalPlans insurance will likely cover at least part of the cost of Invisalign or other brands of invisible braces.

Cigna

cigna best dental orthodontic insurance

Cigna offers dental insurance plans that start at $19 per person per month. Additionally, you can enroll in a Cigna dental plan without enrolling in a Cigna medical plan as well.

The insurance plans offered by Cigna provide several different levels of coverage, and at least some of these plans do offer coverage of orthodontic treatment. The highest level of coverage is found in the Cigna Dental 1500 plan, which covers up to $1,000 in orthodontia. This is a lifetime limit, and the deductible for this specific plan is $50 per individual and $150 per family. There is also a separate deductible for orthodontic coverage.

Pros

Cons

Does Cigna cover Invisalign or other brands of invisible braces?

For Cigna, we have answered the question of “does insurance cover braces”? Does Cigna cover invisalign or braces? The details of the Cigna 1500 plan state that the coverage of orthodontia includes braces and other forms of treatment, meaning that it is likely that some Cigna dental insurance plans will cover at least a portion of the cost of Invisalign or other brands of invisible braces.

Aflac

aflac best orthodontic insurance

Aflac is a supplemental insurance company, meaning that it can help cover the remaining out-of-pocket cost that your major medical insurance company does not cover. It should not be the only form of medical insurance you select, as it is not meant to cover the total cost or the majority of the cost of treatments and procedures.

One of Aflac’s dental insurance highlights is that the deductible actually decreases over time, meaning that the longer you stay with the company, the less you will have to pay for your insurance. Additionally, there is no waiting period for any service, and Aflac will provide some coverage for orthodontic treatments like braces.

Pros

Cons

Does Aflac cover Invisalign or other brands of invisible braces?

Since Aflac dental insurance does cover orthodontia, it may cover Invisalign or other brands of invisible braces. However, the full details of Aflac’s plan and pricing are not fully available on its website. To find out additional information about what Aflac may or may not cover, you must fill out a form to get a quote on the cost of the treatment or procedure.

Humana

Best Orthodontic Insurance Options of 2022 1

Humana offers dental insurance plans starting at $17 per month via their “Preventative Value” Plan. Humana’s other dental insurance plans include the “Loyalty Plus” plan starting at $26 per month, and the “Complete Dental” Plan, which starts at $44 per month. The “Preventative Value” plan does not require any copays and covers preventative services like routine cleanings and checkups. The “Loyalty Plus” plan offers similar benefits, including an increase in the annual benefit maximum over three years. Finally, the “Complete Dental” plan is a PPO (Preferred Provider Organization) and helps patients save money on both routine and major dental procedures. Does Humana cover braces? Thankfully, the answer to that is yes, depending on the specific type of plan you selected.

Pros

Cons

Invisalign with Humana: Is it covered? What about other brands of invisible braces?

Does Humana cover Invisalign or braces? Several of Humana’s dental insurance plans provide coverage for orthodontic treatment for both children and adults. Some may cover at least part of the cost of Invisalign or other invisible braces. Since some companies might just cover that cost of children’s orthodontic care, Humana providing orthodontic insurance for adults makes it stand out. Whether or not these services will be covered depends on the specific plan that you select within Humana. Additionally, Humana’s website specifies that an insurance plan must be purchased before starting an orthodontic treatment plan. If the treatment begins before a dental insurance plan is purchased, the cost of that treatment might not be covered,

USAA Dental Insurance

usaa orthodontic insurance

As a major insurance provider in multiple major areas, USAA works with two other dental insurance providers, Cigna and IHC, to help people find the best possible coverage for them. USAA offers orthodontic coverage for braces and other forms of orthodontic treatment and reminds potential customers first to check and see if braces are already covered via their health insurance before purchasing additional orthodontic coverage.

To be considered in-network for USAA dental insurance, a provider must be in-network for Cigna DPPO Advantage or IHC. Additionally, there is typically a waiting period for those covered by USAA dental insurance. Although the waiting period can be waived in some circumstances if you have had continuous coverage for a year prior, unfortunately, the waiting period is not waived for orthodontic treatments.

Pros

Cons

Does USAA dental insurance cover Invisalign or other brands of invisible braces?

Since USAA dental plans do cover braces as part of its dental insurance, Invisalign aligners and other brands of invisible braces are likely covered at least partially, depending on the specific USAA dental plan you select.

Careington

careington orthodontic insurance

Careington offers great dental discount plans, but it is not officially a health or dental insurance company. Its website issues a disclaimer stating that the plans offered by Careington are not insurance and are not intended to replace health insurance.

The discount payment plans offered by Careington are available directly to individuals as well as through employers. These plans work via a membership deal: when patients find a provider who works with Careington, they just need to show the provider their membership card at the time of the service.

Pros

Cons

Does Careington cover Invisalign or other brands of invisible braces?

Since Careington offers discounted services in various areas, this would depend on the Careington providers that are available near you and what types of services they offer. Search for orthodontic providers near your location on the Careington website and check the Careington review to find out more.

Invisalign Insurance Comparison Table

Even answering “does insurance cover braces” might not tell you whether or not an insurance company covers Invisalign. Invisalign is not always covered by dental insurance, and if it is, it might not be fully covered. Although Invisalign coverage depends on the specific plan you select within a particular insurance company, the chart below provides a quick summary of which companies might provide insurance coverage for Invisalign treatment.

invisalign insurance comparison

There are a variety of options available for dental and orthodontic insurance coverage, as well as discount plans that can save you money on treatments and procedures. When considering insurance coverage for orthodontic treatments like braces, you should first investigate whether your regular health insurance might already cover braces or a similar treatment. If so, there is no need to purchase separate dental or orthodontic insurance! If it is not covered, some dental insurance companies will cover orthodontic treatment. Some will even cover alternative treatment aside from traditional metal braces, such as Invisalign or other forms of clear aligners.

Overall Dental Insurance Company Evaluation Table

dental insurance table

FAQ

Most frequent questions and answers

What is orthodontic insurance?

Orthodontic insurance is sometimes considered a part of dental insurance but is not included in all dental insurance plans. It is also sometimes included as a part of general health insurance. Orthodontic insurance specifically will cover braces and sometimes Invisalign or similar treatments as well. Insurance can help reduce the cost of orthodontic treatment, making it a more affordable treatment option.

Does insurance cover a lost retainer?

Some forms of dental insurance may cover a lost retainer, but this may also depend on the specific plan within that insurance company. Check with your insurance provider and read the details of your insurance plan to find out if the plan would cover a lost retainer.

Which factors should I take into account to choose the best dental insurance?

Choosing the form of dental insurance best suited to your individual circumstances must take multiple factors into account. First, you should have a budget in mind for how much you would be willing to spend on dental insurance. The starting price of plans varies by company, and there are several different levels of coverage (and therefore price) within each company. Next, you should think about what exactly you want to be covered. Are you planning on getting braces? Invisalign? You want to be sure to select a plan that will cover the treatment that you intend on getting. Other factors include location and the number of people being covered by the insurance policy.

Does Invisalign insurance exist?

Insurance is not available directly through Invisalign itself. However, there are insurance companies that offer orthodontic coverage and may cover at least some of the cost of Invisalign.

Why do some insurance companies not cover Invisalign treatment?

Some insurance companies might not cover Invisalign treatment because there are other, cheaper treatments that accomplish the same thing. For instance, some insurance companies might claim to provide orthodontic coverage but will only cover braces and not Invisalign. For the insurance company, this makes sense because they don’t want to have to pay more than absolutely necessary.

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Written by Julia Willcox

Based in New York, Julia has an educational background in biology and a passion for science and healthcare. Given this background, she hopes to be able to communicate relevant news and information in these fields in an engaging and clear way to reach a wider audience. Julia feels that readily accessible and accurate information on topics in healthcare in particular can be hard to come by, and seeks to bridge that gap through her writing.

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