Orthodontic insurance is separate from medical and dental. ... Only 1% of insurance companies pay your orthodontic benefit in full in one payment. There are medical plans that have orthodontic benefits only if the braces are medically necessary and your plan includes orthodontic benefits.Sep 1, 2017
What is considered medically necessary for braces?
In order for orthodontics to be considered medically necessary, the case should include the treatment of craniofacial abnormalities, malocclusions caused by trauma, or craniofacial disharmonies. Also, treatment may be covered when provided in conjunction with other medical issue(s), such as a syndrome, trauma, etc.
In general, most plans that provide dental coverage will cover a portion of braces, since braces are considered a medically necessary treatment that will improve a patient's oral and overall health. ... Plans may not cover treatments for patients over the age of 18—or may only provide partial coverage.Jan 5, 2020