Does Health Insurance Cover Braces?

If you or your child needs braces you may be wondering if health insurance covers the cost. The answer depends on the type of insurance you have the reason for getting braces.

Types of Health Insurance

There are two main types of health insurance:

• Medical insurance
• Dental insurance

Medical insurance covers medical procedures hospital visits medications. Dental insurance covers dental cleanings fillings extractions.

Reasons for Getting Braces

Some people need braces for medical reasons while others get them for cosmetic reasons.

Medical Reasons

Medical reasons for getting braces include:

• Cleft palate
• Jaw misalignment
• Severe overbite or underbite
• Teeth grinding or clenching
• Speech problems

If you need braces for a medical reason your medical insurance may cover the cost.

Cosmetic Reasons

Cosmetic reasons for getting braces include:

• Crooked teeth
• Crowded teeth
• Open bite

If you need braces for cosmetic reasons your dental insurance may cover the cost.

Coverage for Braces

Coverage for braces varies by insurance provider plan. Some insurance providers may cover the full cost of braces while others may only cover a portion.

Medical Insurance

If you need braces for a medical reason your medical insurance may cover the cost. However you may need to meet certain criteria or have a doctor’s referral.

Dental Insurance

If you need braces for cosmetic reasons your dental insurance may cover the cost. However you may need to meet certain criteria or have a dentist’s referral.

Cost of Braces

The cost of braces varies depending on several factors including:

• Type of braces
• Orthodontist’s fees
• Duration of treatment
• Location

On average braces cost between $3000 $7000.

Conclusion

If you or your child needs braces it’s important to check with your insurance provider to see if they cover the cost. If you have medical insurance need braces for a medical reason they may be covered. If you have dental insurance need braces for cosmetic reasons they may be covered. However coverage varies by insurance provider plan so it’s best to check with them directly.