Updated June 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
See which plans cover braces at your orthodontist.