Best Dental Insurance For Braces Of 2024

Cigna offers one of the highest payments for basic care (80%), major care (50%) and orthodontics (50%). The policy also offers $1,000 maximum coverage for orthodontia work, which we found is fairly standard for policies with that coverage. Cigna offers health insurance plans, too, if you’re also looking for health insurance.

Pros

• $1,500 annual maximum coverage for dental coverage is competitive.
• The deductible is $50 per person and $150 per family, which is better than other dental plans.
• One of the best rates for dental insurance policies with braces coverage of the companies we reviewed.

More: Cigna Dental Insurance Review

• Six-month waiting period for basic care and 12-month waiting period for major care.
• Dental implants not covered.

The Cigna Dental 1500 plan is robust for orthodontic needs, including braces. It boasts zero deductibles on preventive care and low out-of-pocket costs for braces. Despite a 12-month waiting period for orthodontics, the plan’s comprehensive services at manageable costs make it a valuable option for long-term orthodontic planning.

– Ben Klesinger, co-founder and CEO of Reliant Insurance Group and Helping Hand Financial

Guardian offers one of the cheaper dental insurance policies with braces coverage among the companies we reviewed. We like that not only does the policy have excellent monthly premiums but it also has a low deductible. Another excellent policy with braces coverage is Guardian Diamond, which has an initial higher annual coverage maximum and higher basic care coverage–but also higher premiums.

Pros

• Annual deductible of $50 is better than other dental insurance policies.
• No waiting period for basic dental care.
• 70% reimbursement for basic care is good and 50% for major care is excellent.

More: Guardian Dental Insurance Review

• The annual coverage maximum in the first year ($1,000) is less than that of other companies. The maximum increases in the following two years, reaching $1,500 in the third year and beyond.
• 12-month waiting period for major care.

Guardian’s Achiever plan may provide coverage for orthodontic treatment, but policyholders should carefully review the policy terms, including coverage levels and any waiting periods. Confirming network orthodontists accepting Guardian insurance can help ensure access to quality orthodontic care.

– David Perkins, founder of Assured Claim Service

We like that Anthem’s Essential Choice PPO Platinum has only a six-month waiting period for orthodontia care, which is better than some competitors. The Blue Cross Blue Shield company also offers health insurance, so you could get both dental and health coverage from the same company.

Pros

• 50% reimbursement after a $150 deductible with $1,000 maximum coverage for orthodontia, including $500 a year.
• Annual maximum coverage of $2,000 for dental coverage is better than many competitors.
• $50 per person and $150 per family deductible is superior to other dental plans.
• The policy reimburses 80% for basic care and 50% for major care (following waiting periods).

• Slightly higher-than-average dental insurance costs for a plan with orthodontia care.
• Waiting period of three months for basic dental care.

Anthem is definitely one of the best options for kids with braces. Specifically, it’s one of the best options for kids who need braces ASAP, as there is no waiting period.