What is the best dental insurance for orthodontics?

Many dental insurance plans do not pay indemnity benefits for orthodontia (such as a health insurance policy does for medical issues). Instead, the benefit may be a fixed percentage of the total cost up to a maximum limit. Frequently, the treating provider will take into account the fact that the patient (or his/her family) is responsible for the balance, and will charge an overall lower cost, or offer instalment payments on the balance over the period that the treatment plan is ongoing

Other plans are pure discount plans in that they provide no benefits other than a discount on the overall cost of services. It is important to distinguish these, as the patient/family remains fully responsible for the payment of charges without any contribution by the discount plan. Likewise, it is important to make sure that the orthodontist is an active participant of the discount plan's panel of providers at the inception of services, as providers do periodically drop off.

If the orthodontia is necessitated due to a medical condition or an accident that is covered by major medical insurance, the medical insurer may cover all or a part of the orthodontic services. This is subject to the terms, conditions, and limitations of the policy.