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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 You may be able to receive help paying for orthodontic services through Aflac Dental Insurance.
In our full coverage dental plans, you may have the option to add on orthodontic care. On the other hand, our supplemental dental plans offer three levels of payable benefits depending on your unique needs. These payments work with your primary dental provider to help cover a variety of dental treatments and procedures.
Orthodontics is a specific branch of dental care that focuses on teeth and jaw irregularities. More commonly, orthodontics is known for helping with bites and larges spaces between teeth.2 There are a variety of treatments and procedures specific to orthodontic care that correct these jaw and teeth issues.
Some traditional orthodontic services are braces, retainers and bands.3 Braces are metal, ceramic or plastic bonds attached to the teeth to make teeth straight. All three of these orthodontic services can help treat crooked teeth, jaw misalignment, crowded teeth and bite issues.4
Not all kinds of dental insurance cover orthodontics, so it’s important to find a plan that meets all your needs. On average, braces can cost anywhere from $3,000 to $10,000. It’s also more likely for braces to be covered for children than it is for adults in many dental insurance plans.5
If your primary dental insurance doesn’t cover orthodontics, it may be a good idea to look into a new full-coverage dental plan or a supplemental dental plan to help make the costs for the treatments you need more manageable.
Here are some additional orthodontic treatments and average costs without insurance:*
Getting dental insurance for orthodontics may make sense if you or your family members are exploring getting braces. This may be particularly beneficial if you have a medical history that points toward the need for jaw or teeth alignment. Additionally, braces are used for cosmetic purposes to straighten smiles.9
There are three main buckets we recommend you consider when finding the right dental insurance plan for orthodontics:
Aflac Dental Insurance may be able to help you cover specific orthodontic treatments and procedures after the waiting period has passed. We also offer supplemental dental insurance that works with your primary dental insurance provider to make oral care more affordable.
*These are average cost and subject to change. These are not Aflac rates. They do not imply coverage.
1, 10 Investopedia - Best Dental Insurance for Braces. Updated February 14, 2024. https://www.investopedia.com/best-dental-insurance-for-braces-4845657. Accessed February 16, 2024.
2-4 WebMD - What Is an Orthodontist? Updated July 10, 2023. https://www.webmd.com/a-to-z-guides/what-is-an-orthodontist. Accessed February 16, 2024.
5-9 Healthline – How Much Do Braces Cost. Updated April 1, 2021. https://www.healthline.com/health/average-cost-of-braces. Accessed February 16, 2024.
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.
Arkansas, Policies A81100AR–A81400AR. Policies A82100RAR–A82400RAR. In Delaware, Policies A81100–A81400. Policies A82100R–A82400R. In Idaho, Policies A81100ID–A81400ID. Policies A82100RID–A82400RID. In New York, Policies NY81100–NY81400. Policies NY82100–NY82400. In Oklahoma, Policies A81100OK–A81400OK. Policies A82100ROK–A82400ROK. In Oregon, Policies A81100OR–A81400OR. Policies A82100ROR–A82400ROR. In Pennsylvania, Policies A81100PA–A81400PA. Policies A82100RPA–A82400RPAR. In Texas, Policies A81100TX–A81400TX. Policies A82100RTX–A82400RTX. In Virginia, Policies A81100VA–A81200VA. Policies A82100RVA–A82400RVA.
Coverage underwritten by Tier One Insurance Company.
Dental, Vision and Hearing: In Arkansas, Policy T80000AR. In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. In Oregon, Policy T80000OR. In Texas, Policy T80000TX. Not available NY or VA. Dental claims are administered by Aflac Benefits Solutions, Inc. 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. Tier One Insurance Company is part of the Aflac family of insurers.
This is a brief product overview only. Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY or VA. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions. For complete details, including availability and costs, please contact your local Aflac agent. The content herein 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.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999
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