average cost of braces with insurance

We have researched the Average Cost Of Braces With Insurance. This is why we are sharing this post on cost of braces for adults. Suppose you want braces cost near me, then reading this post will help.

Perhaps your child has just finished up an orthodontic checkup, and you’ve been informed that they will need braces. Or maybe you’re an adult who’s dreamed of aligning your smile for years and now feel you’re ready to do so. Regardless of why you’re considering braces, you probably have a lot running through your mind about the cost! It’s normal to have plenty of questions, like how much are braces with insurance? Will my health insurance even cover the expense? We want to put your mind at ease and give you the knowledge to make an informed decision. So we’ve gathered some facts about the average cost of braces, how insurance coverage can help, and different payment options.

cost of braces for adults

Average Cost Of Braces With Insurance

Unfortunately, there’s no easy answer when it comes to the “average” cost of orthodontic treatment. The amount of money you’ll need to spend depends on you or your child’s age, the nature of their problem that needs fixing, if you have dental insurance and what their coverage will be, where you live, and the type of braces your or your child’s orthodontist recommends. The good news is that there are ways to estimate the cost of braces based on reports from past and current orthodontic patients.

Authority Dental notes a wide range, from $1,100 to $13,000! We know this “average” range looks quite large, but there are ways to narrow down the suspected cost of treatment by what type of braces you or your child will get. Authority Dental lists the average price of different types of braces as follows:

  • Metal braces: $5,350
  • Ceramic braces: $5,500
  • Self-ligating braces: $5,500
  • Invisible braces: $5,700
  • Lingual braces: $12,000

Insurance Coverage

If you’re fortunate enough to have dental insurance, you’re probably wondering, how much do braces cost with dental insurance? If you have health insurance for your family, the first step is to determine if it includes coverage for braces. Your policy can contribute at least part of the cost of your or your child’s orthodontic care. Your dental insurance may also support prescription products such as an anti-cavity fluoride rinse, which helps ensure healthy, beautiful teeth when braces are removed.

How much do braces cost once your insurance has covered part of the treatment? Out of pocket, patients with insurance paid an average of $3,407 for traditional metal braces, per reader reports from CostHelper. Insurance usually pays a part of the down payment and spreads the rest of the benefit across the treatment duration. The total amount covered by insurance is typically subject to a maximum benefit, so check with your insurance provider to determine your coverage ceiling.

Payment Options

You can pay for your or your child’s orthodontic treatment in several ways:

  • If you have health insurance with a Flexible Savings Account (FSA) option, you may find that you qualify for reimbursement from the FSA for orthodontics. Through your employer, you may have the option to set aside funds from your paycheck to go into your FSA. You will still pay the same amount, but your money will be tax-free.
  • Like an FSA, you can open a Health Savings Account (HSA) if you’re on a high-deductible health insurance plan. You can invest tax-free money into your HSA that you can use for most medical and dental bills. This type of account can even move with you from job to job, so it’s not dependent on your current employer.
  • Methods of financing, such as personal loans or credit cards, are frequently used to fund orthodontic treatment. You should speak with your child’s orthodontic office to see if you can get a discounted price and avoid interest charges by paying a sizable percentage of the cost upfront.
  • Many orthodontists offer payment plans for certain patients, as long as they’re eligible. Some can be very flexible and may even be interest-free!

Whether or not you have insurance, some of these options can help you cover some of the cost of your or your child’s braces. Unfortunately, a lot goes into the question: How much are braces with insurance? So there’s no easy answer. But we recommend starting this conversation with your child’s orthodontist office as soon as possible! It’s worth it to research the various ways you can pay for braces with a combination of insurance, payment plans, health, and flexible savings accounts.

While the average cost for braces is $5,000 to $6,000, some individuals pay as little as $3,000 or as much as $10,000.

This is because orthodontic treatment is highly personalized based on both the orthodontist and the patient. Your expenses will depend on your age, insurance plan and the type of braces you wear. Here we take a look at how these factors influence the final cost of getting braces.

  • Average Cost of Braces
    • by Length of Treatment
    • by Age
  • How Insurance Affects the Cost of Braces

braces cost near me

The total cost of treatment chiefly depends on the specific type of braces you select, as well as the length of time you wear them.

Your options will be limited by the types of braces your orthodontist has experience in, as well as your particular alignment problems. Most orthodontists offer free consultations, so you should visit as many different places as you need to find an appropriate price and plan.

TypeEstimated Base Cost
Metal$3,000-$6,000
Ceramic$4,000-$8,000
Lingual$8,000-$10,000
Invisalign$3,000-$8,000

Metal braces are the oldest and most common type of orthodontic treatment. Universally available, they offer relatively low cost treatment and fast alignment of teeth. Their only drawback is the high visibility of the metal brackets and wires that constitute the system.

Ceramic braces attempt to remedy this by employing brackets that are colored to blend with teeth; however, ceramic brackets are more brittle than metal and also tend to stain noticeably without proper care.

Lingual braces are installed behind the teeth, thereby hiding the braces altogether, but these are even costlier because of how hard they are to install and adjust.

Invisalign eliminates brackets altogether in favor of clear plastic molds that fit over the teeth. Patients wear each mold for a set time and swap to the next, slightly straighter mold as the teeth align over time. Invisalign can also be removed and replaced by the patient, making it the most comfortable option. The disadvantage here lies in the relative slowness of alignment compared to wires and brackets. Furthermore, wearing Invisalign may not be possible in cases of severe misalignment.

Should you be fortunate enough to have a full range of choices, you must find a balance between cosmetic value and speedy treatment. The cheaper the method, the more visible your braces will be; however, cheaper braces tend to align teeth more quickly than subtler and more expensive counterparts. With monthly appointments representing a significant part of the final bill, the cost of lower visibility can grow fairly steep. The longer you end up wearing braces, the more you will pay.

Costs based on how long you wear braces

The length of time you wear braces depends not only on the kind you choose, but also upon how far your teeth must move and how well you support your treatment with good habits.

Most braces are worn for an average of 24 months.

While there isn’t much you can do about the position of your teeth before braces, the progress you make during the process depends on your active participation.

Age1 Year2 Years3 Years4 Years
Adult$2,546$5,091$7,637$10,183
Child$2,457$4,914$7,372$9,829

Many patients who pay more than average for braces do so because of preventable issues like broken brackets and slow alignment. Avoiding foods that shatter or stick to your braces is important to ensure that you don’t need to pay for extra appointments. You should also do your best to keep your teeth clean in general.

Finally, some treatments like Invisalign can be taken off entirely, although they must be worn for as long as 22 hours each day for proper alignment to occur. It’s up to you to keep track of how often you take off such braces.

How age and location affect the cost of braces

The average cost of adult treatment is consistently higher than the average for children, regardless of location. However, in most cases the difference in cost is slight, hovering at 3.6%.

In dollar terms, adults can expect to pay $156 to $211 more for braces than children who receive similar treatments.

A graph showing the average cost of braces for adults and children.

As with almost any consumer product or service, orthodontic costs rise along with population density and the cost of living. The larger your urban area, the more you can expect to pay for the same procedure. Getting braces in Lincoln, Nebraska may cost $4,554 for a single adult, but the same procedure would cost $6,097 in Manhattan. If you live in a major city, you might consider visiting orthodontists in smaller towns located nearby for potential savings.

You might also consider looking for nearby dental schools, where orthodontic students offer their services under close supervision from their instructors at reduced rates.

Dental insurance can help pay for braces

Because braces are often considered a cosmetic procedure, it’s somewhat difficult to find insurance plans that will cover orthodontic treatments, especially types designed to be less visible. Plans that do cover orthodontics will help reduce the final cost, but your choices will likely be limited to the most economical types.

TypeCost With InsuranceCost Out of Pocket
Metal$3,407$4,937
Ceramic$4,572$2,570
LingualN/A$9,000
InvisalignN/A$5,000

One example of a plan with provision for orthodontics is the DeltaCare® USA Individual/Family Dental Program, available in multiple areas.

With an annual premium of $123 in New York City, you would pay $2,300 for children and $2,500 for adult braces.

These costs cover initial consultation, installation and 24 months of comprehensive orthodontic treatment, with any additional visits costing up to $125 per month. Insurance plans that cover braces often require patients to select their orthodontist from a list of affiliated professionals.

Sometimes, the misalignment of a patient’s teeth is severe enough to cause health issues, such as jaw pain, grinding of teeth, greater likelihood of tooth decay or gum disease. In such cases, a dentist’s assessment could determine that braces qualify for coverage as a medically necessary procedure, even if your dental plan does not include orthodontics.

There also are several ways how you can take care of your oral health in the safety of your own home. Our team has put together 7 tips on how you can take care of your teeth during the Covid-19 pandemic.

1.     Maintain an Excellent Oral Health Care Routine

Make sure you brush your teeth with a soft-bristled toothbrush at least twice a day for a minimum of two minutes. You should do this as soon as you get up in the morning and right before you go to bed. When brushing your teeth, ensure to spend equal amounts of time in each quadrant of your mouth and clean the front and back of your teeth. Always brush your teeth gently in a circular motion. If you have trouble with your children brushing their teeth, we have some helpful tips on how to brush your teeth for kids.

Pro Tip: Electric toothbrushes are great because they usually have built-in timers. If you are using a manual brush, try to keep a small timer in the bathroom or use your smartphone. 

2. Replace your toothbrush regularly

Many people forget to replace their toothbrushes. You should start using a new toothbrush at least every three months and also after you were sick. If your toothbrush starts to look worn, replace it as soon as possible. And old or worn toothbrush doesn’t clean your teeth effectively and increases the risk for arising dental problems such as decay.

3. Flossing is a Must

Flossing removes food particles and plaque that has built up between your teeth. If these particles stay on your teeth, bacteria will increase throughout the night. Flossing only at night is fine for most people, but if you are prone to gum disease or tartar build-up, we recommend that you floss twice a day. Find more information on how to floss in our blog post.

mouthwash floss toothbrush

 4. The use of mouthwash

Mouthwash, also known as oral rinse, is a liquid product used to rinse your teeth, gums, and mouth. It usually contains an antiseptic to kill harmful bacteria that can live between your teeth and on your tongue.

Rinsing with a mouthwash twice a day will help reduce plaque, freshen your breath and assists reducing cavities. In addition, it can help to keep your gums safe from gingivitis. For mouthwash recommendations, please ask your dentist at your next visit.

 5. Stay hydrated

Drinking plenty of water every day helps us to stay healthy. It is generally recommended for a healthy adult to drink 1.5l of water per day.Water is the major component of your saliva which fights bacteria. It also helps to neutralise the acid that causes tooth decay and washes away excess food particles and bacteria.

Furthermore, water keeps the soft tissues of the mouth moist and healthy and helps fight bad breath.

6.  Be aware of teeth grinding

Teeth grinding can be a result of stress, anger, concentrating or feeling anxious. Many people grind their teeth during their sleep and do not even realise that they do so.

If you experience worn tooth enamel, increased tooth sensitivity, or torn cheek tissue, you may be grinding your teeth in your sleep.

Although dentists can’t stop you from grinding your teeth, we can make a special mouthguard (bite splint) to wear at night. This prevents you from wearing down your teeth. In most cases, a splint will only help with the symptoms and will not stop you from grinding altogether.

7.  Diet and lifestyle tips

Frequent snacking and indulging in sweet foods and drinks such as lollies, soft drink, biscuits, chips and even dried fruit can cause acid attacks on your tooth enamel. Sugary foods that are sticky and chewy take longer to be cleared from the mouth and can therefore increase your risk of tooth decay. Remember to drink plenty of water after having sugary foods and brush your teeth if possible. Sugar-free chewing gum can also help to increase saliva production and remove any remaining food particles from your teeth.

In general, try to reduce the overall number of snacks you have to keep cavities at bay.

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