Affordable Dental Insurance That Covers Braces for Adults
While braces are traditionally associated with teenagers, adults too can reap the benefits of an aligned smile and better oral health. Braces in adulthood not only help in achieving a confident smile but also ensure the health of your teeth, mouth, and jaw. With the high costs associated, it’s crucial to explore dental insurance options.
Can Adults Get Orthodontic Insurance?
For those considering braces in adulthood, the pressing question is the availability and affordability of orthodontic insurance. Without any dental insurance coverage, braces can be an expensive venture, possibly costing around $6,000 or more, based on the complexity of the dental issue. While many insurance plans cater to children, options for adults, especially over 19 years, can be limited. This limitation often stems from the perception of adult braces as a cosmetic choice. For those exploring this avenue, it’s essential to verify details like age limits, yearly or lifetime maximum benefits, and whether the policy covers a percentage or a flat fee of the dentist’s charges.
Top 6 Dental Insurance Plans for Adult Orthodontics
1. Delta Dental
Price: $50 – $80 per month
Rating: 4.5/5
Description
- Offers multiple plans, including PPO and DHMO options.
- Covers orthodontic treatments for adults with a waiting period of 12 months.
- Provides discounts and flexible payment options.
Pros & Cons
| Pros | Cons |
|---|---|
| Wide network of providers | Long waiting period for braces |
| High coverage percentage | Not available in all states |
Verdict
Delta Dental is a solid choice if you want a comprehensive plan with a large network of dentists. However, the waiting period might be a concern for some.
2. Aetna
Price: $30 – $60 per month
Rating: 4.2/5
Description
- Includes dental, vision, and hearing coverage in some plans.
- No waiting period for orthodontic care in premium plans.
- Great option for adults looking for a complete healthcare package.
Pros & Cons
| Pros | Cons |
|---|---|
| Affordable premiums | Lower coverage for out-of-network treatments |
| Combination plans available | Limited orthodontic coverage in basic plans |
Verdict
Aetna is a great budget option, but you’ll need to choose higher-tier plans to get full orthodontic coverage.
3. Aflac
Price: $40 – $70 per month
Rating: 4.0/5
Description
- Offers standalone orthodontic insurance with no dental requirement.
- Cash reimbursement options available for braces.
- Coverage includes both traditional and clear aligners.
Pros & Cons
| Pros | Cons |
|---|---|
| Flexible claim reimbursement | Can be pricey for standalone coverage |
| No age limit on orthodontic care | Limited plan options |
Verdict
Aflac is perfect for those who want orthodontic coverage without switching their dental provider. But it’s not the cheapest standalone option.
4. Humana
Price: $35 – $55 per month
Rating: 4.3/5
Description
- Flexible plan options with add-ons for orthodontics.
- Discount plans available for adult braces.
- Comprehensive network with nationwide coverage.
Pros & Cons
| Pros | Cons |
|---|---|
| Available in most states | Additional orthodontic add-ons increase costs |
| Easy claims process | Limited dental providers in rural areas |
Verdict
Humana offers great flexibility and coverage options. However, costs can increase significantly if you add orthodontic benefits separately.
5. Cigna
Price: $45 – $75 per month
Rating: 4.6/5
Description
- Strong focus on orthodontic coverage with various plans.
- No age limit for adult braces, making it an ideal option for seniors as well.
- 100% coverage for preventive care services included.
Pros & Cons
| Pros | Cons |
|---|---|
| Excellent preventive care benefits | Can be expensive for full orthodontic coverage |
| Wide range of plans | Waiting period may apply for new enrollees |
Verdict
Cigna is a top-notch option if you prioritize a mix of preventive and orthodontic care. But, it’s not the most budget-friendly choice.
6. DentalPlans
Price: $20 – $40 per month
Rating: 3.9/5
Description
- Dental discount plans offering reduced rates for orthodontic treatments.
- Not insurance, but works with a network of participating dentists.
- Huge savings on braces and other orthodontic procedures.
Pros & Cons
| Pros | Cons |
|---|---|
| Low monthly fees | Not a traditional insurance plan |
| Immediate savings | Limited provider network |
Verdict
DentalPlans is a good option for those looking for immediate savings on orthodontic procedures. However, since it’s not insurance, you may need to switch dentists to avail the discounts.
What Does Dental Insurance for Orthodontics Typically Include?
Dental insurance for orthodontics generally provides coverage or discounts for treatments. This can encompass:
- Examinations
- Imaging
- Traditional braces
- Retainers
However, it’s essential to remember that coverage doesn’t translate to free treatment. There are often waiting periods, deductibles to meet, and varying percentages of coverage based on the chosen plan.
Is Orthodontic Insurance Worth it?
Braces’ costs vary based on the type, duration, and complexity of treatment. While insurance can help mitigate these costs, the premiums can be high. It’s essential to weigh the costs and benefits. Consultation with an orthodontist can provide a clearer picture of treatment expenses without insurance, assisting in deciding the viability of orthodontic insurance.
Conclusion
While adult braces promise a host of benefits, it’s essential to navigate the financial aspects smartly. Dental insurance for adults can be a boon, but it’s vital to choose a plan tailored to individual needs. This guide hopes to aid in making an informed decision towards a brighter, healthier smile.
FAQs
1. Is there an age limit for adults to avail orthodontic insurance?
Most policies set a limit around age 19, but some plans do cover adults.
2. Will my dental insurance fully cover my braces?
Not always. Coverage varies by plan, with possible waiting periods and deductibles.
3. How do I know if orthodontic insurance is worth it?
Consult an orthodontist for treatment costs without insurance, then compare with potential insured costs.
