How to Choose the Right Dental Insurance for Orthodontics

At Bold Bite Orthodontics, conveniently located in Jacksonville FL, Dr. Marty Greenberg, Dr. Trang Cao and our team are committed to giving you the smile of your dreams. Schedule your free orthodontic consultation today to discover your best options for orthodontic care.

A dental professional in a mask shows a patient a document about orthodontic insurance plans while they sit together in a brightly lit dental office with yellow walls in Jacksonville, FL.

Key benefits of choosing Bold Bite Orthodontics:

Free insurance verification service
In-network with major PPO providers
Flexible payment options for patients without insurance
Special discounts and financing plans available

Understanding Dental Insurance and
Orthodontic Coverage

Dental insurance works differently from regular medical insurance, often offering coverage for treatments like Invisalign and traditional metal braces. Because orthodontic plans vary widely, it’s important to fully understand the details of your policy. At Bold Bite Orthodontics, we’ll break it all down for you so there are no surprises.

A person in scrubs writes notes on orthodontic insurance plans in a notebook with a dental model nearby, while holding a phone next to a laptop on a desk in Jacksonville, FL.

Types of Dental Insurance Plans

When exploring dental insurance options in Jacksonville, you’ll find various types of plans when searching for dental insurance for braces. Each type of plan has unique benefits:
Preferred Provider Organizations (PPO)
Dental Health Maintenance Organizations (DHMO)
Indemnity Plans
Direct Reimbursement
Exclusive Provider Organizations (EPO)
Table or Schedule of Allowances Plans
Orthodontic Insurance Plans: Woman in a yellow shirt smiles, holding a clear dental aligner in one hand and making a peace sign with the other, in front of a light blue background in Jacksonville, FL.

Orthodontic Coverage Basics

Dental plans usually categorize services into four main areas, helping you understand what treatments are covered and how they fit into your overall healthcare needs:
Diagnostic and preventive care
Basic restorative care
Major restorative care
Orthodontic services

Best Dental Insurance for Braces of 2025 in Jacksonville, FL

Dental insurance options are continually changing. In Jacksonville, many insurance providers offer thorough orthodontic coverage. When selecting a plan, focus on key aspects such as coverage percentage, lifetime benefit limits, and applicable waiting periods.

Orthodontic Insurance Plans: A woman in a lab coat smiles and holds a clear dental aligner in front of her face against a plain background in Jacksonville, FL.

Best Overall, Best Lifetime Coverage and Best for Adult Braces

When searching for dental insurance, prioritize plans that provide extensive coverage, generous lifetime maximums, and adaptable terms designed to accommodate both adults and children. Well-rounded plans often cover a wide range of services while offering flexibility.

Best Orthodontic Waiting Period

A shorter waiting time for orthodontic benefits is highly sought after. At Bold Bite Orthodontics, we’ll explain your plan’s waiting period requirements during your appointment with Dr. Marty Greenberg or Dr. Trang Cao.
Two people sit at a table reviewing orthodontic insurance plans documents; one is writing in a notebook while the other holds and points at printed papers in Jacksonville, FL.
Orthodontic Insurance Plans: A dental model, four $100 bills, a blank notepad, and a green pen are arranged on a pink background in Jacksonville, FL.

Best Overall Orthodontic Insurance Costs

At Bold Bite Orthodontics, we’ll help match you with an insurance plan that balances cost and coverage. Explore various affordable choices and secure an option that makes your orthodontic treatments more manageable.
A person wearing a blue shirt writes about orthodontic insurance plans on a white sheet of paper with a black pen at a desk in Jacksonville, FL.

How Much does Orthodontic Insurance Cost?

Orthodontic insurance costs can differ significantly, depending on the coverage level, provider, and location. Having reliable insurance minimizes the financial stress of treatments such as Invisalign or clear aligners. We’ll work with you to find a plan that suits your needs and budget during our personalized consultation.

Factors Affecting Braces Coverage

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Age Restrictions

Many insurance plans have specific age restrictions for orthodontic benefits. Our team can help you understand how these age limits might affect your coverage options.
Orthodontic Insurance Plans: A person in a white coat smiles while holding a dental model against a blue background in Jacksonville, FL.

Medical or Dental Necessity

Insurance companies typically require orthodontic treatments to be deemed medically necessary for coverage. Qualifying conditions often include significant bite issues, jaw misalignments, congenital dental abnormalities.
A dentist wearing a mask and gloves talks to a woman in an orange sweater about orthodontic insurance plans while a nurse works at a computer in a dental clinic. A patient sits in a chair in the background in Jacksonville, FL.

Plan Limitations

Many dental insurance policies include annual and lifetime limits on orthodontic benefits. Understanding these limitations is crucial for successfully planning your treatment and managing costs.

How to Determine if Your 

Insurance Covers Braces

Reviewing Your Plan Documents

Carefully review your insurance documents to understand coverage details, including in-network and out-of-network benefits, as well as any required pre-authorization processes.

Contacting Your Insurance Provider

When conversing with your insurance company, be prepared with the details:
Policy details
Patient information
Specific questions about orthodontic coverage

Consulting with Your Orthodontist

Dr. Marty Greenberg, Dr. Trang Cao and the team at Bold Bite Orthodontics are available to assist in verifying your insurance coverage and providing a clear explanation of your benefits during your consultation.

How to Choose the Right Dental Insurance for Orthodontics

To choose the ideal plan for orthodontic care, evaluate your personal needs and financial limits. Look for plans that align with your orthodontic goals, including Invisalign, clear braces, or lingual braces. The team at Bold Bite Orthodontics is here to help ensure your insurance provides the best possible orthodontic benefits.

If traditional dental insurance doesn’t cover braces, consider exploring other options:

Dental insurance
Supplemental orthodontic insurance
Employer-sponsored dental plans
Government programs

Every option comes with unique benefits, costs, and restrictions, so it’s important to carefully research and evaluate them based on your needs and financial situation. Supplemental insurance can help reduce orthodontic expenses but often includes waiting periods and coverage limits. Employer-sponsored plans may also provide coverage; however, changes in employment could affect the availability of those benefits. Be sure to thoroughly review all options before making a final decision.

Saving Money on Braces and Orthodontic Treatments

Braces can be costly even with insurance, but there are ways to reduce expenses:

Payment Plans

Flexible payment plans can make orthodontic costs like metal braces and ceramic braces affordable. Bold Bite Orthodontics also offers options for reduced upfront payments.

Dental Schools

Dental schools often provide orthodontic treatments, supervised by experienced professors, at reduced prices.

Discount Dental Plans

Some companies offer discounts for orthodontic appliances without waiting times, deductibles, or burdensome contracts.

FAQ

How much do braces typically cost in Jacksonville?

In Jacksonville, the cost of braces typically falls between $3,500 and $7,000, depending on your individual needs. Here at Bold Bite Orthodontics, we offer several payment options and work with your insurance provider to help maximize your benefits.

Does dental insurance typically cover orthodontic treatment?

Coverage varies by plan, but many dental insurance policies typically reimburse around 40-50% of the expenses for orthodontic treatment, subject to lifetime limits and other stipulations.

What payment options are available at Bold Bite Orthodontics?

At Bold Bite Orthodontics, we provide a variety of payment options and partner with most major insurance providers. We also offer financing solutions to make managing treatment costs easier for families.

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Dr. Marty Greenberg | (904) 595-6869