Do I Need Dental Insurance to Get Orthodontic Treatment?

Dental insurance can help offset the costs of orthodontic treatment, but it's not required in order to start treatment. Whether you need dental insurance for orthodontic treatment depends on your financial situation, the type of orthodontic treatment required, and the available options for coverage.

Here are some considerations:

  1. Dental Insurance Coverage: Many dental insurance plans do provide coverage for orthodontic treatment, but the extent of coverage can vary. Some plans cover a percentage of the costs, while others may have a maximum dollar amount or a waiting period before orthodontic benefits become available. It's essential to review the details of your insurance policy to understand the coverage specifics.
  2. Out-of-Pocket Costs: Even with dental insurance, there may be out-of-pocket costs associated with orthodontic treatment. This can include copayments, deductibles, and any costs exceeding the maximum coverage limit.
  3. Orthodontic Payment Plans: Our orthodontic office offers payment plans to help spread the cost of treatment over time, making orthodontic care more affordable for individuals without insurance or with limited coverage.
  4. Discount Plans: Some individuals may opt for dental discount plans rather than traditional insurance. These plans typically involve paying an annual fee to access discounted rates on dental services, including orthodontics, from participating providers.
  5. Self-Payment: Some individuals choose to pay for orthodontic treatment entirely out of pocket, especially if the treatment is relatively straightforward or if they don't have dental insurance coverage.

We believe finances shouldn’t stand in the way of a healthy, confident smile. Consultations with our office are complimentary! During the initial consultation we will take digital X-rays and pictures for the doctor to review with you. Following the evaluation, consultation, and treatment recommendation, our treatment coordinator will discuss the cost of your treatment and each available payment option, so you can determine the best fit for your budget. Many discounts are available to patients who serve in the military, teach, are first responders, or work in the medical field. We’re in-network with most insurances and have a refer-a-friend program. We will help you utilize your flexible spending account to the fullest, and we accept CareCredit.

For more information about orthodontic services, or to speak with one of our board-certified specialists, contact us online or call 302-678-3000.