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5 of the Best Companies for Orthodontic Insurance

Going to an orthodontist for orthodontic care is very necessary if you want to fix your crooked teeth or bad bite. Aside from making your teeth look a lot better especially when you smile, orthodontic care can also help promote oral health and wellness.

Orthodontic care is mainly focused on fixing teeth misalignment due to disproportion of the jaw and irregularities of the teeth. It is a part of dentistry that does not only provide proper teeth appearance but overall good looks as well.

In order to promote teeth alignment, braces and retainers are applied by qualified dental professionals.

Best Companies for Orthodontic Insurance

These braces and retainers are made using special materials to prevent them from causing damages to the teeth. The materials used, however, are usually expensive.

The orthodontist also performs regular oral checkup to continuously monitor the condition of the teeth. Regular changing of braces rubber is also done, adding to the patient’s expenses. Knowing all these, having an orthodontic care is indeed costly. However, since the appearance of your teeth is extremely important, orthodontic services are deemed vital. You would worry less about spending on your orthodontic care if you have an orthodontic insurance.

A dental orthodontic insurance company is a company providing financial support to individuals needing orthodontic care. When choosing an orthodontic insurance, you should make sure that it is legit and beneficial. 5 of the best companies for good and reasonably priced orthodontic insurance include the following:

1. Humana One Dental Insurance
Humana One offers dental insurances for orthodontic care. Basic and preventive treatments are covered with the insurance to decrease your expenses. You can choose from several dental plans of the company to fit most of your needs. These include Dental Preventive Plus, Dental Prepaid C550 and HI215 Plans, Dental Discount, Loyalty Plus Plan and Simple Choice Plan. The different plans have different advantages. You can ask for more information regarding these plans when you visit their office or you can contact them online.

Orthodontic insurance

2. MetLife FEDVIP Dental

With MetLife, you will have the choice of either an in-network program or an out-of-network program. The main advantage of an in-network program is MetLife will be negotiating with their participating dentists to decrease expenses for up to 45%. You can choose from different plan covers but for orthodontic care, you will have to choose Class D. Class D plan will provide 50% for in and out-of-network orthodontic care.

Dental Network provides an affordable dental program in all 50 states. It does not only include ordinary dental preventive procedures such as teeth cleaning and filling but it also covers orthodontic treatments. When enrolled to the program, you can enjoy up to 70% discount on the services of your orthodontist as long as he or she is included in the list of participating dentists. If your dentist is not included, the company can contact him so he can be included as a provider. For more information regarding Dental Network, you can contact them online or visit any of their local centers.

 4. Kaiser Permanente

Kaiser Permanente offers three different categories for dental plans. These include comprehensive, basic and standard dental plan. Upon a visit to their office, these plans will be discussed to you in detail to identify the plan that will best fit your needs. Orthodontic care insurance can be added to any of the three plans. The company also offers a special program called the “Advantage Plus” which is for senior advantage members. They will be enjoying additional benefits including the annual dental benefit of $1000.

5. Delta Dental

You can also choose Delta Dental as a dental insurance. Delta Dental offers dental plans in 3 main categories. In each category, the coverage is discussed including the amount to be discounted. Each category has certain limitations. It is also very important for you to choose a dentist within the company’s network for maximum care and maximum insurance benefits. For orthodontic care and services, remember to read the contract to know if it is included in the plan you have selected. The company provides a certain amount depending on the plan that you will be getting.

Conclusion

Not all dental insurance companies offer orthodontic care advantages. In choosing a dental insurance company, make sure that it is legitimate and that it offers the best available benefits. Do not avail of cheap orthodontic insurances because there’s a big chance that they only offer very minimal coverage and benefits. In the end, you may wind up paying all of your orthodontic expenses.

If you liked our article, please share it and use the comment section below to tell us about your experiences or ask any questions. Thanks!

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{ 63 comments… add one }
  • Maria says:

    Just talked with Delta Dental of Illinois…they do not provide orthodontic insurance on any of their individual plans.

    • Daniel says:

      Hello, Maria!
      Thank you for your update! Companies often change their plans and coverages. I will chack all the companies on the list and update if needed. There are some additional dental insurance companies you can check like Humana, Aetna Dental and Dental Plans. The last company you can access via link at the end of the article (or simply search it). There a lot of dental insurance plans but not all of them cover orthodontic insurance. Thank you.

  • Samantha says:

    Just talked with Humana …they also do not provide orthodontic insurance on any of their individual plans.

    • Susan says:

      Hi Samantha! Thanks for the info!

      The various insurance agencies are changing on a daily basis, trying to keep up with all the governmental regulations. What insurances they offer and rejected will be changing on a regular basis.

      The coverage also changes by plan type.

      We recommend you check with any and all insurance carriers to see if they will cover your most common ailments. Get the information in writing, so you have record. And remember, they can and will change coverage at any time.

  • lisa says:

    looking for coverage for invisulin and implants

    • Susan says:

      Hey Lisa! Let’s see if we can help.

      Insurances vary state by state and country by country. Sometimes, coverage can vary just by the part of a city you’re in or even which doctor you will see. Each area has its own set of rules and regulations for insurances.

      While we would love to provide specifics for the various insurance companies, the regulations vary too much to be able to do so. It’s up to you to figure out which insurance company will work where you are, as much as we would like to help.

      An insurance broker could help you by searching out the various companies for you, because they know the local area.

  • Sonny David says:

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  • scott says:

    Hello,

    I am looking for the best dental insurance plan for my 8 year old daughter who is going to need orthodontic work in 2017. Preferably one that has no waiting period since we are looking at early February. I live in Michigan city, In.

    thanks,

    scott

    • Susan says:

      Hey Scott!

      We are actually working on that article currently.

      One of the issues was the new regulations that will be coming through in January of 2017.

      Until we know what those regulations are and the effect on the insurance plans, we have held off on publishing the article.

      Keep checking back and we should have something soon.

  • jodi childs says:

    Hello,
    I am too trying to find orthodontic insurance for my 7 year old daughter. I am thinking I might just need to purchase the Gold Plan from Comfort Dental. We have regular Delta dental insurance but they do not cover orthodontics. I think it’s sad that orthodontics is considered a cosmetic procedure as my daughters mouth is a little misaligned (not noticable) and if she doesn’t get it fixed noq down the roads she will more-likely suffer from TMJ, migraines etc…

    Thank you,
    Jodi

    • Susan says:

      Hey Jodi!

      This is a hard problem made harder by the various health plans across different states and countries.

      Many health insurance companies offer a dental plan.

      We recommend calling up as many as possible.

      We also remember talking to your daughter’s dentist and seeing which plans they would recommend.

      They may give you information including phone numbers and representatives who can help you with the plan you need and the costs.

  • mona says:

    I am looking for a dental insurance plan to cover braces for my son-12 years old. We live in NH.
    Thanks.

    • Daniel says:

      Hello, Mona!

      Based on my research, Aetna healthcare company has a few plans with 34% off from a standard price on full orthodontic child treatment. These are:

      1. Vital Savings by Aetna® Dental and Prescription Discount Program – 149.95$/year for an individual plan, 199.95$/year for a family plan.
      2. Aetna Dental Access Plan – 119.95$/year for an individual plan, 169.95$/year for a family plan.
      3. Vital Savings By Aetna® Dental Discount Program – 139.95$/year for an individual plan, 179.95$/year for a family plan.

      Also, Dental Plans company has :DP CompleteCare plan with 34% off from a standard price on full orthodontic child treatment. The cost is 179.95$/year for an individual plan, 209.95$/year for a family plan.

      These are the cheapest plans for braces.

      For your reference, DentalSave company has DentalSave Discount Dental Plan with 25% off from a standard price on full orthodontic child treatment. The cost is 114.95$/year for an individual plan, 169.95$/year for a family plan. DenteMax Discount Dental Plan gives you 24% off with 114.95$/year for an individual plan, 169.95$/year for a family plan. UNI-CARE 100 Discount Dental Plan gives you 15$ off, but with the cost of 79.95$/year for an individual plan, 129.95$/year for a family plan.

      You can call to these companies above and get the exact quote for a final decision.

      Thank you!

  • Michelle says:

    I’m looking for a orthodontist for an adult in Anderson sc

  • Barbara says:

    Hi,

    I am looking for the best orthodontic insurance for my 9 year old daughter in North Carolina. Can you assist? Thanks!

    • Daniel says:

      Hello, Barbara!

      I’m happy to assist you! According to my research, Aetna and DenteMax insurance companies have the best cost effective coverage for orthodontics in North Carolina.

      Aetna has a few plans which cover full orthodontic child and adult treatments with the best discount. Vital Savings By Aetna® Dental Discount program costs 139.95$/year for an individual plan and 179.95$/year for a family plan. Aetna Dental Access® program costs 119.95$/year for an individual plan and 169.95$/year for a family plan. Both programs offer the same discount for orthodontic treatments. You can call the Aetna and ask the difference between them.

      DenteMax Discount Dental Plan by DenteMax offers the next best discount for orthodontic treatments in North Carolina after Aetna. Individual plans cost 114.95$/year and the family plans cost 169.95$/year.

      Hope it helps.

      Thank you!

  • Lackofcoverage says:

    Aetna health company only offers individual plans in these states:

    Alaska
    Arizona
    Delaware
    Illinois
    Pennsylvania

  • Julie says:

    I am looking for orthodontic insurance in Alliance, Ohio for a 16 year old.

    • Susan says:

      Hey Julie,

      Fortunately, there are several plans available in Ohio.

      A couple of the top picks include DentalPlans.com and Humana.

      We recommend contacting each of the companies that do business in your state and obtaining quotes for the services you need. Your orthodontist and dentist will have some good recommendations as well.

  • Erin says:

    I’m trying to look for a great individual dental insurance that covers orthodontics for adults? The MetLife Dental was great, but for federal employees. Please help!!

    • Susan says:

      Hey Erin,

      The state of insurance is so confusing right now, isn’t it?

      We recommend contacting some of the big companies, such as Humana and Delta Dental.

      Dentalplans.com is also one that might be able to help. If these can help you, seek out a local dentist office to see what insurances they accept.

      Unfortunately, because regulations keep changing so rapidly it’s difficult to say what company can provide insurance.

  • Barbara says:

    Great website! Wondering if you know of insurance that covers Adult Braces in Massachusettes. I have dental insurance through my union but it does not cover braces and I would like to purchase insurance that would, but have been told that Massachusettes does not have such coverage.

    • Susan says:

      Hey Barbara,

      Thanks for the compliment.

      There are several companies that provide insurance in Massachusetts. Among these are Delta Dental, Humana, and dentalplans.com.

      We recommend contacting your preferred dentist and seeing which insurance companies they already accept.

      Since you already have dental insurance, we recommend talking to your dentist about the necessity of braces. Under very specific conditions, regular dental insurance will cover braces, especially if it prevents further expensive treatments. And if you’re really ambitious, you can navigate some of the more obscure codes within your dental plan to seek out exceptions for braces.

  • Shan Yang says:

    Hello,

    I want to find a orthodontic insurance plan. I am 25 at NC state.
    Thank you !

    Best

    • Susan says:

      Hey Shan,

      North Carolina has a few options for orthodontic insurance.

      As we have recommended to other people, Humana and Delta Dental are two of the most popular plans.

      Dentalplans.com also is an option.

      If you have a particular dentist, we recommend talking to them and we’re to find out what plans they accept at their office.

      You can call those companies to see what plans are available for you and the cost.

  • Stewart says:

    I have a 15 year old and an 18 year old who need BRACES. What is my best option for orthodontic insurance in the State of Georgia?

    • Susan says:

      Hey Stewart!

      You got quite the issue.

      There are several companies that offer both dental and orthodontic Insurance in Georgia.

      The biggest issue you’re going to run into is coverage after your children turn 18.

      Some of the companies will continue covering children as long as they live with you until they are 25. Some of them stop all coverage at 18. And these can be different plans within the same company!

      You will have to talk to a specific representative to find out what will be covered and what will not be.

      We believe your fifteen-year-old will be covered easily; it is your 18 year old child that will cause you the most questions.

  • Christina says:

    Hi I am looking for a orthodontic insurance for adults in Virginia. Thank you!

    • Susan says:

      Hey Christina!

      In Virginia, you have the option of choosing multiple different types of insurances, and they are all private.

      Some of the top ones are Delta Dental, dentalplans.com, and Humana.

      We recommend contacting the dentist you wish to see and seeing which plans they accept.

  • uday says:

    hi All,

    I am looking for Route canal/Filling/ Cap for 2 teeth and i am in NC, Charlotte where i am looking out for a suitable Dental Insurance plan to cover these Expenses

    Thanks
    Uday

    • Susan says:

      Hey Uday!

      North Carolina is a great state for dental work, because there are many options you have available.

      We recommend checking out the dentist you would like to visit and see what dental insurance plans they have to offer.

      Then you can call the specific companies and know that your dentist will take them.

      The most popular companies are Delta Dental, Humana, and dentalplans.com.

      Also, by talking to the dentist you’re looking to see, you can work out cost-effective options to help with the expenses.

  • Uday says:

    Hi All,

    I am looking out for an insurance policy to cover Route canal/Filling/Cap for 2 decay teeth and i am living in Charlotte,NC

    thanks
    Uday

  • marie t brady says:

    Looking for best policy for adult orthodontist work in CA
    Thank you

    • Susan says:

      Hey Marie!

      Thanks for reaching out to us.

      The best thing you can do is reach out to a dentist and see what insurance is they are already accepting.

      That way you know whichever plan you choose, your dentist will accept it.

      One of the biggest problems you’ll have is in California there are many regulations governing what insurance can offer and cannot.

      Unfortunately, in California, you have many regulations that other people do not.

      It is tricky slope.

  • Cindy says:

    I live I’m kalamazoo, michigan my daughter is 14 and needs braces ,Are insurance Healthy Kids Dental Program I think it’s delta dental too don’t know if it covers or not i have search need help . Thanks

    • Susan says:

      Hey, Cindy!

      We have two recommendations to find out exactly what you need.

      First, contact the dental program directly and ask them about your specific issue. They will be able to look at what insurances you will need and what the cost is.

      The second option is to contact your dentist and see which insurance program they recommend for your child.

      Since the dentist is the one that takes the insurance, you know that what the insurance they recommend will be accepted.

  • Sre says:

    Hi,
    I recently moved from NJ to Virginia. Im on my orthodontic treatment now. I have my braces now and the doctor said i need to put braces for 1 more year excluding the time of retainers. At first I was with delta dental. Since I moved to new job at virigina my new employer doesnot carry any orthodontic treatment coverage. I used the insurance money from delta dental.

    Can anyone recommend any ( adult ) ortho dental insurance in viriginia to start from the middle of the treatment.

    • Susan says:

      Hey Sre!

      This is an interesting problem.

      As far as we were aware, Delta Dental was accepted in all states. It could be that your particular dentist or orthodontist does not accept that particular insurance.

      We recommend either to talk to your dentist to see what insurances they accept or seek out a dentist that does accept Delta Dental.

      We have an article here on DentalPlans.com, a way to lower your dental bills.

  • Ssrree says:

    Hello, can you recommend a company that provides good orthodontic coverage for my 13 year old in Texas? Thank you!

    • Susan says:

      Hey Ssrree!

      Thanks for asking.

      One of the best things you could do is to ask your dentist or orthodontist about what insurances they accept.

      That way, you know exactly what coverage you need and you are sure your dentist takes that particular insurance.

      Otherwise, we recommend Delta Dental, Humana, or if these don’t work for you, DentalPlans.com. We have an article over here to help you out.

  • Faziha says:

    Hi I’m looking for dental insurance that covers adult braces in Maryland in 2018

    • Susan says:

      Hey, Faziha!

      You can check DentalPlans.com website and find the insurance plans and that cover braces and prices for your area. They’ve made great comparissons. Just enter your ZIP code and get results. Also, we have a great article-review on DentalPlans here. We also recommend you contact the dentist or orthodontist you use (or your friends use) and ask which dental insurances they prefer people to use. You would then be able to call up that insurance agency and talk about the price and plans for braces.

      Hope it helps. Thank you!

  • Denise says:

    Looking for dental insurance for braces in lower Hudson Valley in NY. Being disabled , cost and coverage is so very important. Thanks.

    • Susan says:

      Hey Denise!

      We recommend calling your local dentist and asking what type of dental insurance they accept. Being disabled, you should also qualify for partial or full coverage under Medicare or Medicaid. Once you talk to your dentist to know what insurances they accept and what they recommend, you can call the insurance company and discover what the costs and coverage they have to offer. You should also contact your local government agencies to find out if there’s any financial aid that might be available.

      Also, according to DentalPlans.com the best prices for insurance with full orthodontic adult treatment coverage in your area are at 4 plans – Aetna Vital Dental Savings℠ Plus Rx (123.96$ per year), Aetna Dental Access (99.96$ per year), AFHS (Affordable Family Health Services) (111.96$ per year) and SELE-DENT Discount Dental Plan (99.96$ per year). With the first two plans you pay 3852$ for braces instead of usual general dentist fee of 5658$ (2084$ saved -35%). With the second two plans you have to call them and get an exact discount fee for braces. When you sign up with DentalPlans, you need to add 20$ processing fee during checkout.

      • Denise says:

        Thank-you. An added note, I am a senior as well. Medicare ( traditional) does not cover braces or any dental work. I do not qualify for Medicaid in my area(unfortunately). Being a senior, are there other plans as well?

        • Susan says:

          Hey Denise!

          We sympathize with you, and many holes within Medicare need to be filled. Your best bet for finding other plans for braces or dental work is to talk to your dentist and see what they recommend. More than likely they will have already dealt with the situation and have a list of vendors you could contact to discuss plans and prices. By obtaining the information directly from your dentist, you know that they will accept that insurance.

          • Denise Muller says:

            I have spoken to my dentist and a dental school. They are flippant- briefly mention PPO plans and basically leave me on my own to find a plan. The best I saw was AARP in NY – HMO type plan but most dentists do not take that since it pays less. I am in a difficult situation. That is why I reached out to you.

          • Susan says:

            Hey Denise!

            This is a tough situation. Many of the dentists we’ve reached out to are more than happy to provide the information. If you believe that your dentist is a bit flippant about the type of insurance as they offer, they may not be billing correctly or receiving payment adequately. We recommend talking to another dentist and explaining your situation. As we said, in our experience, most are more than willing to share the information they discovered.

            Otherwise, you can check our article on DentalPlans.com here. Here you can find their best plans directly – https://www.dentalplans.com/dentalsearch/comparedentaldiscountplans. As for your area (NY), I’ve found 4 plans (Aetna Dental Plus RX, iDental Discount, AFHS and Aetna Dental Access) that cost you from 124.95$ up to 154.95$ per year and save you more than 1000$ per treatment. You can call DentalPlans directly at 1-866-815-6963 and they will help you find the best plan for your needs.

  • Agnes N says:

    Great resource in here! Looking for dental insurance that covers adult braces in Washington.

    • Susan says:

      Hey Agnes!

      Thanks for the compliment. We recommend calling your local dentist office and ask them which Dental insurances they accept. You can then call those companies to see what plans are available to you and what the costs are. Since you were asking your dentist directly about their recommendations, you know that dentist will accept that insurance. They will also be able to direct you to the protection that will cover the most procedures you need.

      Also, according to the DentalPlans.com the best price for insurance with full orthodontic adult treatment coverage in your area is at Cigna. The fee is 123.96$ or 99.96$ per year (depends on which services beside orthodontics you want to add) with 20$ checkout processing fee. Here you can get 20% off on braces cost instead of regular price.

  • Alisa Loudy says:

    Hi, Just reading through I have a 7-year old that is in need of a phase 1 procedure, upper & lower expanders for a narrow mouth and then headgear to correct an overbite. I wondering if paying for a secondary insurance provider and Orthodontics/insurer would help with the two-year costs. Any provider information would help in making this decision. Thank you.

    Sincerely,
    Lake Elsinore, CA
    Alisa Loudy

    • Susan says:

      Hey Alisa!

      We recommend talking to the orthodontic office that you are going through. They will be able to explain the costs, what your insurance will cover, and the remaining cost to you. They should also have information on secondary orthodontic insurances that they accept and what regular payment is. Once you have the recommended information, you can call the specific insurance provider and find out the cost of the insurance from them.

  • Sherry Vargas says:

    My 13-year-old daughter needs orthodontic treatment but it is $5,000 so I need insurance to cover the cost. We live in San Antonio, Tx. What is the best and least expensive insurance to get? Thank you.

    • Susan says:

      Hey Sherry!

      This is a tough situation. There are many different types of insurances available to people in Texas. We recommend calling the orthodontist or dentist that you were using and seeing which insurance company they suggest. That way, you know they will accept the insurance you purchase. Several plans may be available through your state and federal government offices. We also have information on this web page about reduced cost dental programs. You can search their website from this link – https://www.dentalplans.com/dentalsearch/comparedentaldiscountplans.

      According to what I’ve checked, in San Antonio, Tx. there are 4 different dental plans including orthodontics – Aetna Dental Plus RX, Aetna Dental Access, Patriot Plan, Patriot Plan Plus. In Aetna Dental Plus RX you pay 123.96$ per year and 3599$ for orthodontic treatment instead of 5000$. In Aetna Dental Access you pay 99.96$ per year and the same cost of 3599$. Aetna Dental Plus RX costs you more because of different additional plan benefits like Pharmacy discounts, etc. For costs in Patriot Plan and Patriot Plan Plus plans you need to call DentalPlans directly (1-866-815-6963).

  • Apple l says:

    I’m glad I found this website.
    In Utah and need insurance without a wait period for my 15 year old, for orthodontics.
    Thank you!

    • Susan says:

      Hey, Apple I!

      I’m glad to help you. Recently, we’ve reviewed Dental Plan company, you can read our review here. They offer different dental plans from different insurance companies.
      As for your area, Utah, I’ve found 4 different dental plans from their search – https://www.dentalplans.com/dentalsearch/comparedentaldiscountplans. These 4 plans are – Aetna Dental Plus RX (154.95$ per year), iDental Discount (124.95$ per year), Aetna Dental Access (124.95$ per year), DP Complete Care (179.95$ per year). For full orthodontic child treatment you pay 3523$ instead of full price of 5658$ and save 38%. Each plan has it’s own benefits and drawbacks. The best is to call Dental Plans at 1-866-815-6963 and get the best plan for your child.

  • kim says:

    Looking for additional dental coverage for orthodontics/oral surgeon in Oklahoma/Arkansas. We have regular dental coverage but not specialty insurance. Live in ok but drs will be in Arkansas.
    Thanks for any advice.

    • Susan says:

      Hey, Kim!

      Recently we’ve reviewed DentalPlans company. You can read our review here. They offer different plans from various insurance companies.
      For example, for Arkansas I’ve found 4 different plans for you from their search here – https://www.dentalplans.com/dentalsearch/comparedentaldiscountplans. These 4 plans are: Aetna Dental Plus RX (the cost is 199.95$ per year), iDental Discount (179.95$ per year), Aetna Dental Access (179.95$ per year) and DP Complete Care (209.95$ per year). For full orthodontic adult treatment you pay 3490$ instead of usual general dentist fee of 5936$ and you save 2446$ (41%). The differences and benefits of each plan you can see on the same search page. Or, simply, call Dental Plans at 1-866-815-6963 and I believe they will help you.

      Thank you!

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