Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

There are a few options available if you have dental insurance but still can’t afford braces for your child. You can find an orthodontist who allows monthly payments and is willing to finance the cost of your child’s braces, or you can purchase braces insurance before you take your child to their first orthodontic appointment.

Get dental insurance quotes for your oral health needs with a zip code the free rate tool now!

The following article provides additional information on braces and payment options.

How do you know if your child needs braces?

Before exploring the question of how to pay for braces, you first need to understand how and when to know if your child needs braces. Braces seem to be almost a right of passage among American teens and pre-teens. However, when to get braces has more to do with each individual child’s mouth development than with age. It would be wrong to say that at age 12 braces are needed by most children. Children as young as 8 can get braces and many adults also have braces.

Braces have changed a lot over the years. They are no longer the bulky metal device with colored rubber bands that they used to be. Braces now come in all different types. You can even:

  • Choose braces in the color of your favorite team
  • Get clear braces like the Invisalign brand
  • Get braces you wear behind your teeth

The signs that your child needs braces are pretty straight forward, but the decision should be made by your dentist or pediatric dentist who will in turn refer you to an orthodontist in the area.

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

What signs indicate the need for braces?

Has my child lost all his or her baby teeth? You certainly don’t want to get braces on teeth that will be falling out. Losing all baby teeth can take up to 14 years. Just as with height or other adolescent development, losing baby teeth happens at different times for different children.

  • The spacing of your child’s teeth. Are the teeth crowded together or spaced far apart? Both of these spacing issues can be a sign that braces are needed.
  • Crookedness of adult teeth or adult teeth that protrude. This includes an overbite, under bite, or “buck” teeth.

If your child has any of these problems with their adult teeth, braces are the best way to fix teeth and make them straighter. Be sure to watch for any signs that your child may be experiencing teasing for teeth that are crooked. If this is happening, the sooner the better for the braces process to begin.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

What are the options for paying for braces?

Dental insurance occasionally cover a portion of braces and orthodontic care. Braces are expensive and dental insurance companies know that if you have children, chances are you may have to get braces for them. Because of this, some family dental plans cover a small portion of orthodontic care but not a significant amount.

Most orthodontists allow you to set up payment plans for braces. This can be divided up over a year or over the length of time the braces will be wore. This is usually done through a medical credit card which means there is a credit application and approval that must be met. Once you are approved, the whole amount is charged and then you make payments to the credit card company.

However, some orthodontists still allow you to make monthly payments directly to them. This is rare because braces are not something that can be “repossessed” if payments aren’t made. But, it is important to note, that the orthodontist is the one to remove your braces and if you aren’t making your payments, this won’t be done.

The option to purchase braces insurance is available, but it must be done before your child’s first orthodontic appointment. The premium payments are high but in the long run, it may save you money. This is especially true if you have multiple children.

To find a dental insurance company or braces insurance, use the online comparison tool. This third party rate tool will allow you to see what different companies have to offer side by side. Then you can compare rates and quotes and choose the company that best meets the orthodontic needs of your family.

Enter your zip code and start comparing insurance quotes immediately!