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Many people seeking out orthodontic insurance coverage are looking for ways to bring down the cost of braces. One of the best ways to get braces at a more affordable rate is to find dental insurance that covers orthodontics.1 While Aflac’s affordable network dental insurance plans for individuals and families don’t offer coverage for orthodontics, we do cover a wide range of treatments and procedures. Additionally, we offer supplemental dental insurance that pays cash benefits to help cover expenses your primary plan doesn’t cover. Read on to learn how dental insurance for orthodontics works and what coverage Aflac dental insurance plans offer.
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Orthodontics is a specific branch of dental care that focuses on teeth and jaw irregularities. More commonly, orthodontics is known for helping with misalignment, or malocclusion.2 There are a variety of services specific to orthodontic care that correct these jaw and teeth issues, including braces, retainers, and bands.2 All three of these orthodontic services can help treat crooked teeth, jaw misalignment, crowded teeth and bite issues.2
Most affordable dental insurance plans don’t offer coverage for orthodontics. It’s also more likely for braces to be covered for children than it is for adults in some dental insurance plans.3 If your network dental insurance plan doesn’t cover orthodontics, it may be a good idea to look into supplemental dental insurance to help make the costs of the treatments you need more manageable. Aflac network dental insurance plans for individuals and families don’t cover orthodontic services, but our supplemental dental insurance plan can pay cash benefits to help policyholders cover additional expenses.
Since many dental insurance plans don’t cover orthodontic services, it’s important to understand the costs of procedures and treatments. On average, braces can cost anywhere from $5,350 to $12,000. Here are some additional orthodontic treatments and average costs without insurance:*
You may consider orthodontic insurance if:
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedThere are three main buckets we recommend you consider when finding the right dental insurance plan for orthodontics:
The costs of dental care can add up quickly without insurance. Learn how you can save money on dental care costs with Aflac dental insurance.
Looking for dental insurance that covers implants and dentures? Aflac walks through all the benefits of full coverage dental insurance like preventative care, basics, and major services.
The costs of dental care can add up quickly without insurance. Learn how you can save money on dental care costs with Aflac dental insurance.
Looking for dental insurance that covers implants and dentures? Aflac walks through all the benefits of full coverage dental insurance like preventative care, basics, and major services.
*These are average cost and subject to change. These are not Aflac rates. They do not imply coverage.
1 Beverly Hills Orthodontics - Is Orthodontic Insurance Worth It? Updated October 22, 2025. https://beverlyhillsortho.com/is-orthodontic-insurance-worth-it-bho/. Accessed January 23, 2026.
2 WebMD - What Is an Orthodontist? Updated August 03, 2025. https://www.webmd.com/a-to-z-guides/what-is-an-orthodontist. Accessed January 23, 2026.
3 eHealth – Does Dental Insurance Cover Braces and Orthodontist Services? Updated May 7, 2024. https://www.ehealthinsurance.com/resources/dental-insurance/dental-insurance-cover-braces-orthodontist-services. Accessed January 23, 2026.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
In Arkansas, Policies A82100RAR–A82400RAR. In Delaware, Policies A82100R–A82400R. In Idaho, Policies A82100RID–A82400RID. In New York, Policies NY82100–NY82400. In Oklahoma, Policies A82100ROK–A82400ROK. In Oregon, Policies A82100ROR–A82400ROR. In Pennsylvania, Policies A82100RPAR–A82400RPAR. In Texas, Policies A82100RTX–A82400RTX. In Virginia, Policies A82100RVA–A82400RVA.
Coverage underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
In Arkansas, Policy T80000AR. In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. In Oregon, Policy T80000OR. In Pennsylvania, Policy T80000PA-DEN ONLY; T80000PA-DVH. In Texas, Policy T80000TX & T80000TXR.
Dental claims are administered by SKYGEN USA, LLC. Vision claims are administered by EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing.
NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits.
This is a brief product overview only. Coverage may not be available in all states, including but not limited to NH, NJ, NM, NY, or VA. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policies and riders for benefit details, definitions, limitations and exclusions. For availability and costs, please complete the form above.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999
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