Are Braces Covered by Dental Insurance?
Many families wonder: “Are braces covered by dental insurance?” The good news is that most dental insurance plans provide partial coverage for braces, making orthodontic care more affordable.
At Impact Orthodontics in Calgary, we understand that navigating insurance can feel overwhelming. That’s why we offer direct billing, complimentary insurance reviews, and flexible payment plans—so you can focus on achieving a beautiful, healthy smile.
Below, we answer the most common questions about dental insurance coverage for braces to help you understand your options.
Q1: Are Braces Covered by Dental Insurance?
Yes, many dental insurance plans cover a portion of orthodontic treatment, typically up to 50% of the total cost. However, coverage depends on:
- Your specific insurance plan.
- Lifetime orthodontic limits, which often range from $1,500 to $3,000.
- Whether the braces are for children or adults.
At Impact Orthodontics, we offer a complimentary insurance review to help you determine exactly what your plan covers.
Q2: How Do I Know If My Insurance Covers Braces?
To find out if braces are covered:
- Review your insurance policy details.
- Contact your insurance provider for specifics about orthodontic coverage.
Or, let us handle it! Bring your insurance details to your consultation, and our team will:
- Confirm your coverage.
- Maximize your benefits.
- File claims directly for you.
Simplify the process with our direct billing service—we take care of the paperwork!
Q3: Does Dental Insurance Cover Braces for Children and Adults?
- Children & Teens: Most plans prioritize orthodontic coverage for individuals under 18, often with more generous benefits.
- Adults: While some insurance plans cover adult braces, the coverage is typically less extensive and may come with stricter limits.
At Impact Orthodontics, we work with you to make braces affordable, no matter your age.
Q4: What Will My Monthly Payments Be If Insurance Covers Part of the Cost?
After insurance coverage, many families can take advantage of our flexible financing:
- Monthly Payments: Starting as low as $150/month.
- Down Payments: As low as $250.
- 0% Interest Financing: Spread the cost of treatment with no interest.
We’ll create a customized payment plan that fits your budget—making orthodontic care stress-free and manageable.
Q5: Does Dental Insurance Cover Invisalign or Clear Aligners?
Yes, all insurance plans that cover traditional braces will also cover Invisalign or other clear aligners.
During your consultation, we’ll confirm your insurance benefits and explain all your options.
Q6: What If My Insurance Doesn’t Cover Braces or Orthodontic Treatment?
If braces aren’t covered under your plan, don’t worry—there are still affordable options:
- 0% Interest Financing: Flexible monthly payments starting at $150/month.
- Health Spending Accounts (HSA)/Flexible Spending Accounts (FSA): Use pre-tax dollars to pay for treatment.
- Family & Early Payment Discounts: Save when multiple family members begin treatment or when you pay in full upfront.
We’ll work with you to ensure braces are accessible and affordable for your family.
Q7: Can I Use My HSA or FSA to Pay for Braces?
Absolutely! Health Spending Accounts (HSAs) and Flexible Spending Accounts (FSAs) allow you to pay for orthodontic care using pre-tax dollars, reducing your overall costs.
If you’re unsure how to use these accounts, our team can walk you through the process to make the most of your funds.
Q8: Do You Offer Direct Billing for Dental Insurance?
Yes! At Impact Orthodontics, we make the process easy by offering direct billing to your insurance provider. This means:
- We submit claims on your behalf.
- You only pay the remaining balance after insurance coverage is applied.
- No paperwork or hassle for you!
Ready to Find Out What Your Dental Insurance Covers?
If you’re wondering “Are braces covered by dental insurance?” or have any other questions, we’re here to help.
At Impact Orthodontics, we’ll:
- Review your insurance plan for free
- Maximize your coverage
- Offer flexible, interest-free payment plans starting at $150/month!
Your first consultation is FREE for anyone under 20—the perfect opportunity to understand your options and take the first step toward a confident, healthy smile.
Contact Us
- Phone (403) 256-7797
- Text (403) 256-7797
- Email: info@impactortho,com
FAQs Recap
Frequently Asked Questions
Most plans cover up to 50% of orthodontic costs with lifetime limits.
We offer a complimentary insurance review to confirm your coverage.
Yes! We handle the paperwork so you don’t have to.
Payments can start as low as $150/month with flexible financing.
Yes! HSAs and FSAs are great ways to pay for braces using pre-tax dollars.
