Best Dental Plans That Include Orthodontics

Have you ever stared at a dental bill and wondered, "Why does getting straight teeth cost so much?" Or you've put off getting braces or aligners because the cost seems out of reach. Good news: dental insurance isn't just for checkups and fillings—some plans help you pay for orthodontics too.

But let’s be honest, finding the right dental plan can feel overwhelming. There are so many terms, fine print, and confusing coverage options.

Here's your inside look at dental plans that cover orthodontics. We'll break down how these plans work, what to watch out for, and real examples of providers that could be worth considering.

Delta Dental: Big Network, Popular With Families

If you've ever had dental insurance through work, you've heard of Delta Dental. But did you know their "Delta Dental PPO Plus Premier" and "DeltaCare USA" plans often include orthodontics?

Highlights:

Orthodontic Coverage For Kids

Most plans include coverage for dependents under the age of 19.

Adult Options

Select premium plans in certain states also cover adults.

Lifetime Maximums

These can range from $1,000 to $2,000 or more per person.

Coinsurance

You often pay 50% of the treatment costs after the deductible is met.

Large Provider Network

Makes it easy to find a nearby orthodontist.

What to watch for:

Delta's orthodontic coverage and terms can vary significantly based on your state and the specific plan you choose. Double-check details before enrolling.

Example:

If your teen needs braces costing $5,000 and your plan pays 50% up to a $2,000 lifetime maximum, you'd pay $2,500; the insurance pays $2,500.

Cigna: Flexible Plans For Families And Individuals

Cigna is another primary name offering dental insurance plans that may include orthodontic coverage.

Highlights:

Cigna Dental 1500

Their popular plan covers up to $1,000 for orthodontic care (after a 12-month waiting period).

Coverage For Children

Most plans cover kids under 19.

Adult Coverage

Available on some group policies or select individual plans in certain states.

No referral needed: You can visit any licensed orthodontist.

What’s different?

Cigna often lets you roll preventive and basic services into one easy-to-manage plan. Their customer support gets solid reviews, making it easier to understand the benefits.

Watch for:

Waiting periods and lifetime maximums—these can be dealbreakers if you need treatment ASAP.

Guardian Direct: Strong For Adult Orthodontics

Looking for orthodontic coverage as an adult? Guardian Direct offers several plans with options for all ages.

Highlights:

Major Care And Orthodontics

Guardian’s “Achiever” and “Diamond” plans cover orthodontic work for children and adults.

High Lifetime Maximums

Up to $1,500 per person.

Coinsurance

Pays 50% after deductible.

Coverage For Clear Aligners

Check specific plan details, but many do cover options like Invisalign.

What sets Guardian apart?

Their plans are available in many states, catering to both individuals and families who require flexibility.

Things to check:

Coverage varies by state, and some waiting periods apply.

UnitedHealthcare: Bundled Options And No Waiting Periods

UnitedHealthcare is well-known for group plans (offered through employers), but they also have individual dental plans.

Highlights:

Orthodontic Coverage

Available as an add-on for families and adults.

Some Plans Offer No Waiting Periods

Great if you want to start treatment right away.

Higher Lifetime Maxes

Some plans pay up to $3,000 for orthodontic treatment.

National Network

Easy to find in-network providers.

Good to know:

Most plans are more generous if you use in-network providers, so check the orthodontist's status before starting.

Humana: Affordable Plans With Good Coverage

Humana offers budget-friendly plans that still deliver on orthodontic benefits.

Highlights:

Family And Adult Coverage

Available on select plans.

Up to 50% Coverage

For braces and aligners, after waiting periods.

Lifetime Maximums

Usually $1,000–$1,500 per person.

Extra Perks

Some plans include discounts on other dental services.

Bonus tip:

Humana also partners with dental discount plans, which aren't insurance but can save you money if you're not eligible for coverage.

What to Look For in a Dental Plan With Orthodontics

If you want to save real money, here are a few things you’ll want to check when comparing plans:

1. Is Orthodontic Coverage Included For Adults, Kids, Or Both?

Some plans only cover dependents under the age of 19. Others are open to everyone.

2. What’s The Waiting Period Before You Can Start Treatment?

The best-case scenario is no waiting period; however, a standard waiting period of 6 to 12 months is typically required.

3. What’s The Orthodontic Lifetime Maximum?

This is the total amount the plan will pay for orthodontic work per person. The typical range is $1,000 to $2,500.

4. How Much Does The Plan Pay (Coinsurance Rate)?

Typically, insurance covers a percentage—such as 50% of the costs—after you have paid your deductible.

5. Does The Plan Cover Just Braces, Or Also Clear Aligners Like Invisalign?

Not all policies include the newest options.

How To Get The Most Out Of Your Dental Plan

Compare Quotes

Always receive personalised quotes tailored to your age, location, and family size. Prices and benefits can change dramatically by state.

Read The Fine Print

Watch for waiting periods, exclusions (such as pre-existing conditions), and age limits.

Ask Your Orthodontist

Many offices are aware of which insurance plans their patients have the best experience with.

Planning Your Smile Makeover

A confident smile shouldn't be out of reach. Whether you're exploring options for your kids or considering straightening your teeth, there are dental plans available with orthodontic coverage that can make a significant difference. The trick is knowing what to look for—and asking the right questions.

Don't settle for the first plan you see. With a bit of research and the right strategy, you can make orthodontic care more affordable—and that's something to smile about. Take the time to compare your options, and don't hesitate to contact providers with any questions you may have. The right plan can help you move forward with treatment and finally achieve the smile you've always wanted.