Average Cost of Braces
Misaligned teeth can cause a great deal of difficulty with eating, the ability to clean teeth and even speech difficulties in some cases. If you or a child need braces to correct misaligned teeth, you may be concerned about the cost and whether the cost is covered by your dental insurance. Prices for braces will vary depending on the type of braces, where you live and what type of insurance you have.
According to statistics from the American Dental Association (ADA), the cost for braces on average for children is $4,685 to $6,500 and the cost for adult braces is $4,800 to $7,135. The price for braces could be higher or lower than these amounts, depending on how long your treatment plan lasts. Treatment plans last on average 24 months.
Types of Braces
- Traditional Metal Braces: Traditional metal braces are constructed of stainless steel and although some people avoid metal braces because they are so visible, they are still a very popular choice for braces because of their affordability. The estimated cost of metal braces is $3,000 to $5,000.
- Lingual Braces: Lingual braces are custom made and are not visible. They fit behind your natural teeth. The price for lingual braces can be quite expensive, anywhere from $5,000 to $13,000. Not all orthodontists offer lingual braces.
- Ceramic Braces: Ceramic braces blend in with your natural teeth and are not visible. However, there is a danger of these braces breaking. They run on average anywhere from $2,000 to $5,000.
Alternatives to Braces
Some providers offer a clear plastic alternative to braces called “Invisalign.” Invisalign braces are designed for people with minor alignment issues and the cost will depend on how many trays are needed. The average cost of an Invisalign tray is $100 to $300. Treatment plans can vary from $1,000 to $5,000. Some dental plans consider Invisalign braces a cosmetic treatment and do not cover the cost. If Invisalign treatments are not covered, you may want to consider using a Health Savings Plan option such as an HSA or FSA to pay for the cost.
What is Covered by Insurance?
Finding insurance to cover the cost of braces can be tricky. Many dental plans do not cover orthodontic treatment such as braces. If your dental plan does not cover braces, you can purchase a supplemental orthodontic dental plan to help pay for the cost.
Orthodontic insurance plans are set up differently than most insurance plans in the way the maximum insurance benefit works. Most insurance plans have a yearly maximum amount that will be paid. With orthodontic insurance, there is a “lifetime maximum benefit.” This means that once you have used the maximum amount payable for orthodontic procedures, there is no more coverage. It is important to learn what the lifetime maximum benefit is for an orthodontic plan before purchasing the policy.
If your existing dental plan will pay for part of the cost for braces, the supplemental orthodontic policy will kick in and pay the difference in cost up to the lifetime maximum benefit allowed.
- Pre-orthodontic treatment exam
- Treatment planning
- Tooth extractions (recommended by the orthodontist in the course of treatment)
- Invisalign (some plans do not provide coverage considering Invisalign a cosmetic procedure)
Orthodontic plan benefits will vary based on the provider and the options available in your state. If you purchase an orthodontic insurance plan, read the policy coverage details carefully before scheduling any orthodontic treatments.
Do not schedule any orthodontic treatments until you have found an insurance plan to cover the cost. If your plan has a Preferred Provider Organization (PPO), you could realize significant savings on the cost of braces by using an orthodontist in the preferred provider network.
What if you do not have insurance and still need braces for yourself or a family member? If you or a child need braces but find the cost prohibitive, you may be able to work with an orthodontist to come up with a payment plan that will fit your budget. Many orthodontist’s offices offer payment plans that will allow you to make payments on braces for up to five years. It certainly does not hurt to ask for assistance if you need help in paying for braces.