Does Insurance Cover Braces or Invisalign?
Often, yes. Many dental insurance plans include an orthodontic benefit that helps pay for braces or Invisalign, though the amount covered and who qualifies depends on your plan. If your plan covers orthodontics, it usually treats Invisalign the same way it treats braces.
Insurance is one of the first things families ask about at our Pembroke Pines office. Here’s how orthodontic coverage typically works and how our team can help you make the most of it.
At a Glance
- Coverage: Many dental plans include an orthodontic benefit. Check whether yours does.
- Braces vs. Invisalign: Plans that cover orthodontics usually cover both the same way.
- State insurance: We accept Dentaquest, MCNA and Liberty.
- Paperwork: Our team helps with insurance claims for you.
- The rest: Flexible in-house financing with 0% interest, and you may be able to use HSA or FSA funds.
How Orthodontic Insurance Usually Works
Orthodontic benefits work a little differently from coverage for cleanings and fillings. A few terms are worth knowing:
- Lifetime maximum: Most plans set a one-time limit for orthodontic treatment. This is usually separate from your plan’s yearly dental maximum.
- Age limits: Some plans cover orthodontics only for children and teens, while others include adults too.
- Waiting periods: Some plans require you to be enrolled for a set amount of time before orthodontic benefits kick in.
- Payment schedule: Insurance often pays its share in portions over the course of treatment, rather than all at once.
What About State Insurance?
Cooper Orthodontics is proud to accept state insurance, including Dentaquest, MCNA and Liberty. These plans typically cover orthodontic treatment for children when it’s considered medically necessary. Our team can help you find out whether your child qualifies.
Pro Tip: If you’re choosing a plan during open enrollment, look for the words “orthodontic coverage” in the plan details. Not every dental plan includes it.
How to Check Your Coverage
The quickest way to find out what your plan covers is to call the member services number on your insurance card and ask:
- Does my plan include orthodontic coverage?
- What is the lifetime maximum for orthodontics?
- Is there an age limit?
- Is there a waiting period, and have I met it?
- Is Invisalign covered the same way as braces?
You can also bring your insurance information to your free consultation. Our team will look into your benefits, and if your plan covers any part of your treatment, we’ll help you with the claims and paperwork.
Covering the Rest of Your Treatment
Insurance rarely covers the full cost of orthodontic treatment, so we make the remaining balance as easy to manage as possible:
- One price for braces or Invisalign. At Cooper Orthodontics, both cost the same, so you can choose the option that fits your lifestyle.
- 0% interest in-house financing with low monthly payments.
- HSA and FSA funds. Orthodontic treatment is generally an eligible expense, so you can often use pre-tax dollars. Check with your plan administrator to confirm.
- Most major credit cards are accepted.
We’ll go over your treatment cost and payment options at your free consultation, before you commit to anything. For more on what affects cost, see our guide to how much braces cost.
FAQs
Does insurance cover Invisalign?
If your plan includes orthodontic coverage, it usually covers Invisalign the same way it covers braces. It’s always a good idea to confirm with your insurance provider.
Does insurance cover braces for adults?
Some plans do. Many orthodontic benefits are limited to children and teens, so check whether your plan has an age limit.
Do you accept state insurance in Pembroke Pines?
Yes. Our Pembroke Pines office accepts state insurance, including Dentaquest, MCNA and Liberty. Contact our office for a full list of the plans we accept.
Get Help With Your Insurance in Pembroke Pines
Not sure what your plan covers? Bring your insurance card to your free consultation, and our team will help you understand your benefits and payment options.
Cooper Orthodontics – Pembroke Pines
700 N Hiatus Rd, Suite 101, Pembroke Pines, FL 33026
(954) 358-4799
Book your free consultation today!
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