Updated July 2026 · 5 min read
Quick Answer
Some plans do, some don't. Orthodontic coverage is a premium feature — look for plans explicitly listing orthodontic discounts (D8080 for traditional braces, D8090 for clear aligners). Plans with this coverage typically save 15–20% with no waiting period and no age restriction.
| Treatment | Avg. Cost | With 20% Plan | Savings |
|---|---|---|---|
| Metal braces (child) | $3,000–$5,500 | $2,400–$4,400 | $600–$1,100 |
| Metal braces (adult) | $4,000–$7,000 | $3,200–$5,600 | $800–$1,400 |
| Ceramic braces | $4,000–$8,000 | $3,200–$6,400 | $800–$1,600 |
| Invisalign / clear aligners | $4,000–$8,000 | $3,200–$6,400 | $800–$1,600 |
| Retainer (post-treatment) | $150–$600 | $120–$480 | $30–$120 |
Orthodontic discounts included, no age limit
Filter marketplace by orthodontic coverage
Includes orthodontic discounts on a large national network
Covers orthodontics alongside a strong PPO network
Insurance for adult orthodontics is rarely worth it:
Ask your orthodontist for procedure codes — typically D8080 (metal braces) or D8090 (clear aligners)
Look up those codes in the plan's fee schedule before purchasing
Confirm your orthodontist is in the plan's network (or ask if they'll accept it)
Compare the discounted fee to the treatment quote you already have
Some do. Plans that include orthodontic discounts typically offer 15–20% off traditional braces and clear aligners. A typical 2-year orthodontic case costs $4,000–$8,000, so a 20% discount saves $800–$1,600. Check if a plan covers both traditional braces (D8080) and clear aligner treatment (D8090) before enrolling.
Some dental insurance plans include an orthodontic lifetime benefit ($1,000–$2,500), but usually only for children under 18, after a 24-month waiting period. Adult orthodontics is often excluded. Dental savings plans typically cover both children and adults with no waiting period.
Yes, if the plan includes orthodontic coverage. Adults are eligible with no age restriction. Clear aligner treatment (Invisalign or similar) uses procedure code D8090 in most fee schedules. Confirm this code is covered and compare the discounted fee at your specific orthodontist.
Traditional metal braces typically run $4,000–$7,000. With a 20% dental savings plan discount, expect $3,200–$5,600. Clear aligners run $4,000–$8,000 retail, discounting to $3,200–$6,400. In both cases, you may save more than the cost of insurance premiums for 2+ years.
See which plans cover braces at your orthodontist.