Dental Insurance for Orthodontics: Waiting Periods Explained

Orthodontic coverage is one of the most misunderstood parts of dental insurance. If you or your child needs braces or aligners, here's what you need to know about waiting periods and how to find the best coverage.

Why Orthodontic Waiting Periods Are Longer

Orthodontic treatment is expensive — often $3,000 to $7,000 — and takes 12 to 24 months. Carriers impose longer waiting periods (typically 12 months) to prevent people from enrolling specifically for orthodontic benefits and then dropping coverage after treatment.

What Most Plans Cover

Standard dental plans that include orthodontic coverage typically pay a lifetime maximum of $1,000 to $1,500 per person for braces or aligners. This is a lifetime benefit, not an annual one — once used, it's gone.

Finding No or Short Waiting Period Ortho Coverage

True no waiting period orthodontic plans are rare. Some plans offer 6-month waiting periods rather than 12. If orthodontic treatment is imminent, your best strategy may be to enroll now so the waiting period is running while you're in consultation and treatment planning.

Children vs Adults

ACA marketplace plans are required to cover pediatric orthodontic treatment as an essential health benefit for children under 19. Adult orthodontic coverage is optional and varies by plan.

BenZen helps families across GA, FL, MD, VA, PA, and more find dental plans with the best available orthodontic coverage. Let's look at your options.