How Much Do Braces Cost With / Without Insurance?

If you plan on using insurance to cover the cost of braces, you’ll enjoy reading this article.

We’ll answer the question, How much do braces cost with insurance? After that, we’ll tell you how much some tooth braces cost without insurance.

Without further delay, let’s switch into action.

Braces Cost With Insurance

Do you know what braces are?

They are corrective devices used to fix the bite or straighten the teeth. Orthodontists say they are among the most effective ways of treating oral problems.

In addition to straightening the teeth, it helps patients achieve a beautiful and healthy smile. Most youths and kids often use them when their jaws are still growing.

Tooth braces are expensive. According to the American Dental Association, the average cost of a brace in the U.S. is nearly $6,000.

Of course, not everyone can afford this amount, especially low-income families, seniors, and individuals with disabilities. But with health insurance and grants, you can significantly reduce this treatment’s costs.

Price of a Tooth Brace With Insurance

There’s no fixed cost of braces with insurance because it depends on several factors. However, you’re likely to pay between $1,000 and $9,000.

Let’s get the breakdown. Metal braces cost $1,638 to $4,933; ceramic braces cost $1,817 to $4,450; Invisalign costs $1,500 to $3,500; and lingual braces cost $3,500 to $9,250.

You must know that not all dental insurance plans cover braces. Most insurance policies will cover a fraction of the costs and expect you to cover the rest.

Typical insurance coverage for tooth braces is 50%. If you choose a more expensive type of brace, it’ll only cover half of your overall expenses. So you’ll have to pay the difference.

Some insurance plans have a discount percentage and a cap on the maximum amount you can save. The least coverage you can get is 20% without a cap.

However, most insurance plans don’t cover braces or other orthodontics for adults. Such programs provide partial coverage for children under 18 if deemed medically critical.

Average Cost of Braces Without Insurance

You must also know the price of this procedure without insurance coverage.

This will help you stay informed and make proper coverage plans. Now, the price of braces without coverage can vary significantly.

However, it generally costs between $3,000 and $10,000, more or less.

If you want standard metal braces, be ready to spend about $3,000 to $7,500. Such types of oral support use metal brackets and wire to realign the teeth over several months or years.

Ceramic braces are similar to metal braces, but the frames are clear. Sometimes, it comes with tooth color to make them less noticeable.

To have a ceramic bridge, it will cost you anywhere from $2,000 to $8,500.

Invisalign braces typically cost $3,00 to $7,000. This type of brace is made from blended plastics to fit over the teeth. An orthodontist often creates a custom pair of this brace by taking a mold of your bite.

Finally, lingual braces are the most expensive. It costs between $5,000 and $13,000. The bridge has the same function as the standard one. However, they’re attached to the backside of the teeth.

That way, it will stay invisible.

Factors that Affect the Cost of Braces

Several elements affect the price of braces with or without insurance coverage. They include several appointments with the dentist, age, location, and oral insurance type.

Other influencing factors are the severity of your case and the orthodontist’s situation. Allow us to review a few of these influencing factors.

  • Number of Appointments

After successful tooth bracing, you’ll typically be placed on an appointment schedule with your orthodontist. Usually, there’s a charge for each visit.

So how long you’ll keep meeting with an orthodontist can impact the overall cost of bracing. Most braces are won for at least 24 months.

However, some factors may influence the length of time. These include the type of brace you select and the initial position of your teeth.

Metal braces usually align with the teeth quicker than other options.

  • Geographical Location

Where you want to have your teeth braces can significantly affect how much you’ll pay. If you live in smaller towns, then you’re in luck. Orthodontic care in such areas generally costs less.

But if you reside in metropolitan areas, then be ready to take a lump from your pocket. Tooth braces and other oral care in those locations cost more.

  • Orthodontist Personal Situation

Generally, these practitioners have different amounts for tooth braces.

They often charge based on the brace’s number of appointments, materials, and complexity. So the exact amount you’ll spend depends on which orthodontist you’re dealing with and their experience level.

Ways to Cut Down Costs on Tooth Braces 

Braces can be expensive with or without any insurance coverage. But don’t worry; several ways are available to lower the cost of such oral procedures.

You can buy oral or orthodontic insurance that specifically covers braces. We also have dental schools that offer reduced-cost treatment. You can visit such institutions and sort things out.

Furthermore, you can visit a variety of orthodontists in your area and compare their prices. That way, you can get experts at affordable rates.

Flexible spending accounts and health service accounts are excellent options to explore. Finally, dental grants from nonprofits, governments, and private companies can be used.

What about Medicaid Coverage

Medicaid does offer financial coverage for braces. But patients that are ensured are less likely to be beneficiaries. While the coverage varies among states, specific minimum standards are set at the federal level.

One of them is that all states should cover oral treatment to relieve pain and infections.

Teeth restoration and medically necessary orthodontic services such as braces are also included. However, Medicaid is mandated to cover children’s expenses from 0-21.

Most states do not offer such coverage to adults beyond the slated age. You can contact your local Medicaid to learn about their eligibility criteria.

Insurance hardly covers the entire cost of braces, even with a top-tier company. They’ll expect you to cover some expenses, such as copays, deductibles, and coinsurance, out of your pocket.

As you can see, the prices above it’s for financially stable people.

Before you embark on such a mission, you must make adequate financial plans, including insurance coverage. If you don’t have one, there’re other options you can explore to reduce costs.

We’ve listed a few for you to choose from.