Orthodontic Insurance: Dental Insurance That Covers Orthodontics & Braces

When considering which dental insurance is right for you and your family, you need to consider a plan offering orthodontic insurance.

Two teenage girls smiling with braces.

No Waiting Periods

Large Network of Providers

$100 Lifetime Deductible

Choice of In-Network or Out-of-Network Providers

$5,000 Max Coverage Year 3

Choice of In-Network or Out-of-Network Providers

$5,000 Max Coverage Year 3



Orthodontics are devices that are used to straighten teeth and treat malocclusion (poor teeth alignment).

Although you might immediately think of braces and retainers when you hear "orthodontics," there are several other products, such as palatal expanders, that an orthodontist can use to ensure their patient will have a beautiful smile.

It’s amazing what’s possible with orthodontics, but this type of care can come at a hefty price. The good news is that you can save on expensive orthodontic care for your kids with Spirit orthodontic insurance plans.


How to know if you need orthodontic insurance for your kids

Keep a close eye on your growing child's teeth and gums. You might notice that their teeth aren't growing in as straight as they should or that they're too crowded, prompting you to seek the advice of an orthodontist.

Also, regularly taking your child to the dentist can help you become aware of problems early on. A dentist can evaluate your child’s mouth carefully and look for signs, such as an overbite, that a trip to the orthodontist is necessary. That's why you need dental insurance that covers orthodontics.


Get orthodontics insurance and enjoy the benefits of braces and orthodontic treatment

When your child has a great smile, their confidence is sure to soar. In addition, here are a few other reasons why orthodontic care and dental insurance to cover orthodontics are so important:

  • Orthodontics can help your child speak, chew and breathe properly.
  • A misaligned bite might lead to other ailments, such as jaw problems like TMJ.
  • Aligned teeth are easier to keep clean, and this is helpful when it comes to avoiding problems like cavities and gum disease.

How much do braces cost?

The price of braces and other orthodontics is based on many factors, such as the severity of the condition that needs to be treated, the length of treatment, and the types of orthodontic appliances or braces required.

On average, braces might cost anywhere from $3,000 to $10,000. Imagine having to pay for all of that out of pocket!

Thankfully, Spirit Dental offers affordable dental insurance for braces and other children’s orthodontics. With the right insurance that covers braces, you can relax knowing that you’re saving money while giving your child the dental care they need.


How to find dental insurance that covers braces and orthodontics

Dental insurance that covers braces might help you save hundreds or even thousands of dollars over the course of treatment. But not all plans will provide this coverage, so shop carefully.

When searching for orthodontic insurance and narrowing your options, check a plan's network of providers to see if the orthodontist you'd like to use is in-network. Also, look for exclusions, limitations and other details that would indicate how much support you can get. Examples include waiting periods, types of braces that aren't covered, and annual or lifetime maximums. To make sure you have the best coverage for your situation, you can compare dental insurance plans and see which one offers the best fit.

Spirit Dental offers dental insurance with no waiting period so you can be covered as soon as you sign up. We also offer major services dental insurance, because you never know when you'll need serious dental work done.


Does Spirit dental insurance cover braces?

Yes! We offer a $1,200 children's orthodontia benefit on two of our dental plans: Spirit Core and Spirit Pinnacle. This coverage is available for dependent children.

Other features include:

  • A one-time $100 deductible.
  • Coverage is 10% for year one, 25% for year two, and 50% for year three.
  • A $1,200 lifetime maximum per child.
  • An annual limit of $600.

Want to learn more about what's possible when you use Spirit to get dental insurance for braces? Contact us any time at 844-833-8440, or get your free dental insurance quotes online today.


Frequently asked questions about orthodontics insurance

We know you have questions about orthodontics insurance, and we have answers. We've gathered some of the most commonly asked questions about orthodontics and dental insurance to cover orthodontics and answered them below.


What is the best age to get braces for a child?

Most dental professionals agree that eligible children should get braces between the ages of 10 and 14. However, your dentist or orthodontist can give you personalized advice and guidance on when the right time is for your child’s orthodontic treatment. This will help you know when to sign up for braces insurance.


What age should a child go to an orthodontist?

If you aren’t sure if your child needs to see an orthodontist, you can ask your dentist. Generally, however, you can take your children to an orthodontist when they are as young as 7 years old to see if they might need this type of care. 


How much do braces cost without orthodontics insurance?

Metal braces might cost $3,000 to $7,000, while ceramic braces might be anywhere from $4,000 to $8,000, on average. Lingual braces may be even pricier, averaging around $8,000 to $10,000, and Invisalign might cost anywhere from $4,000 to $7,400.


Does insurance cover braces?

To be sure you’ll get coverage for braces, sign up for dental insurance with orthodontics coverage. Different plans will provide varying levels of coverage, so you can find the one that’s affordable and gives you what you need.

Most Spirit Dental plans cover braces for dependent children and teens under the age of 19. Our Network 1200/2500/5000 plan, which includes orthodontics insurance for your child, offers tremendous savings.


What type of braces are the cheapest?

If you want to save the most money possible — even if you have dental insurance for orthodontics — your orthodontist might recommend metal braces.


Get your free quote!

  • 10/1/2023
Questions about our plans? Call us: (844) 833-8440