Insurance Coverage Questions

Most orthodontists in Buffalo accept major insurance carriers including Delta Dental, Cigna, Aetna, MetLife, Guardian, and UnitedHealthcare. Many also accept PPO plans and offer in-network provider benefits. Contact practices directly to verify they accept your specific plan.

Yes, many dental insurance plans cover adult orthodontics, though coverage may be less generous than for children. Typical adult coverage is 50% of costs up to a $1,500-$2,000 lifetime maximum. Some plans have age restrictions, so check your policy details.

Call your insurance provider's member services number on your ID card, or have your orthodontist's office submit a pre-authorization. Ask about: orthodontic lifetime maximum, percentage of coverage, age restrictions, and whether your orthodontist is in-network.

Dental insurance covers routine care like cleanings and fillings annually. Orthodontic coverage is separate with a one-time lifetime maximum (typically $1,500-$3,000) for braces or aligners. Some plans bundle both, others require separate orthodontic riders.

Yes! Orthodontic treatment is an eligible expense for both FSA (Flexible Spending Account) and HSA (Health Savings Account). You can use pre-tax dollars for braces, Invisalign, retainers, and related orthodontic costs, saving 20-30% depending on your tax bracket.