Orthodontics

Orthodontics covers the cost of correcting tooth alignment and jaw positioning using braces or aligners. In individual and group dental plans, orthodontic benefits are usually separate from preventive and restorative coverage. Most plans apply a lifetime maximum and a waiting period before orthodontic treatment is eligible.

Orthodontic reimbursement is typically 50 percent of eligible costs up to a set limit, such as $2,000 per person. The benefit may also have an age restriction, commonly limited to dependents under 19. Orthodontic coverage can significantly reduce the cost of braces or Invisalign for children and adults alike, depending on the plan tier.

Example:

If your orthodontic coverage reimburses 50 percent up to a $2,000 lifetime maximum, and treatment costs $4,000, your plan pays $2,000 and you pay the rest.

What to Watch For:

Confirm eligibility age and waiting period. Lifetime maximums do not reset, so plan timing carefully before starting treatment.