How Much Do Braces Cost with Insurance?

Do you need braces but worried about the cost? Do you want the perfect smile but falling short of bucks and wondering if your insurance will cover the expenses for you? Do you have a kid who needs braces, but you are not aware of how much insurance will help with payment? In short, you want to know how much do braces cost with insurance.

Do not fret, if you have any of such question since this article will try to alleviate your worries by outlining insurance and other options. These options might make it easier for you to give your or your child’s dental treatment a head start.


Traditional metal braces are the cheapest option and might cost you around $3400 with insurance. On the other hand, lingual braces might go very heavy on your budget as the overall cost is $8000 without insurance.

Most people think that the braces are the only portion which involves cost. In reality, there are several factors which might bump up the overall dental treatment cost.

Why do people wear braces?

Orthodontic braces help align crooked teeth in a straight line or close gaps between teeth and correct alignment of protruding teeth. Usually, patients (adult or children) want braces for aesthetic purposes. Braces exert consistent pressure on teeth to move them in the proper alignment.

Typically, treatment for children begins when they are aged somewhere in between 9-14. But adults also get braces to correct alignment of teeth and improve the ability to clean teeth.

What are the factors which influence the cost of braces?

Braces are costly, and prices vary widely. On average braces cost around $5,000 without insurance. The variation in cost depends on many factors –

Type of braces

Metal braces are the cheapest option among all kinds of braces. Thus, if you opt for traditional metal braces then you will have to pay a lesser amount than ceramic braces or other alternatives.

The condition of the teeth

If there is severe crowding then the cost of dental treatment would go up as the overall time required to rectify the condition is more than someone who has mild crowding of teeth.

Experience of the treating orthodontist

An experienced orthodontist will usually have higher rates than a general dentist or a student in dental school.

Additional costs

Periodic adjustments, replacement retainers, any pre-treatment procedure like cavity restoration or scaling will change the overall cost involved.

Age of patient

Usually, treatment cost is less for children than for adults.

Payment plans

Orthodontists may offer you various payment plan options or discount to help you with treatment expenses. According to that, your monthly expenditure towards braces will vary.

Types of braces and their cost with insurance

There are various types of braces available at varying prices which allows you to choose as per your needs. They are –

Traditional metal braces

Traditional metal braces are the most common, popular and affordable braces. These braces are made of stainless steel and are durable. However, they are also the most visible braces from outside. If you are quite concerned about aesthetic look then this may not be the ideal choice.

You need to take proper care of oral hygiene else teeth may appear discolored or white spots after braces removal. They cost $4,900 on an average without insurance, and with insurance, the price comes down to around $3,400.

Ceramic Braces

They are not visible like the traditional metal braces, but they are not as durable as the metal braces either. The tendency to break is high for ceramic braces as compared to metal braces.

Without insurance, the cost of ceramic braces is around $4,500 and with insurance, the price comes down to $2,500.

Lingual Braces

These braces fit behind the teeth and are not visible from the front, but they are expensive than the traditional metal braces. This type of braces can cost about $8,000 – $10,000.

If you are looking for lingual braces only for aesthetic purposes, then your insurance will not bear any cost related to braces treatment.

Clear Aligner Braces

Invisalign, also called the invisible braces, consists of clear plastic trays instead of traditional wires and brackets. You will have to remove the trays while you eat or drink. Takes longer time to correct alignment when compared to traditional metal braces in case of severe malocclusion.

Insurance doesn’t cover invisible braces as it is a cosmetic procedure and not treatment. Without insurance, price range varies from $4,000-$8,000.

What are the additional costs involved?

There might be a few more additional costs involved which include –

Consultation fee

The dentist you visit for consultation will charge a fee for examination and x-rays. Some places they might charge you for x-rays but do the consultation for free. You will have to check that with the clinic you visit.

Additional treatment

If there is any cavity or deep cleaning requirement, then the dentist will first carry out those treatments, and you will have to pay an extra amount for the same. If your child needs headgear or any other appliance treatment before braces, that will be extra too.


After the completion of the braces treatment, you will have to wear retainers. Retainers will be charged separately from the original treatment. Retainers help retain the newly positioned teeth to stay in place and hence they are important.


So, you need to count all these factors while making plans. You cannot afford to miss out on any part of dental treatment.

Over to you on braces cost with insurance

By now you must have got a fair enough idea on how much do braces cost with insurance. Contact your insurance provider to know how much cost they will cover for braces and then visit a few dentists and decide on who you want to go ahead with.

Do not forget to share your insurance detail with the dentist before starting the dental procedure. All clinics or dentists may not work with all insurance. Talk to your orthodontist to see if there are any offers or discounts going on and decide accordingly.


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